Mortgages

We understand that buying property can be daunting, but our qualified mortgage advisers will guide you through the options and can manage the application process from start to finish for a more straightforward and stress-free purchasing process.

We offer a comprehensive range of first-charge mortgages from across the market, which lenders make available to mortgage intermediaries for which we will be paid a procurement fee by the lender. For example:

• First-time buyers
• Self-employed
• Intergenerational mortgages
• Help-to-Buy
• Buy-to-let*
• Self-build projects
• UK and overseas holiday homes***
• Expats**
• Commercial*+

Purchasing property and first-time buyers

Whether you are looking to buy your first home, move up the property ladder, help your child buy a home or purchase a property to let*, our advisers will access the marketplace to help find a mortgage solution that suits your needs.

We can also support those in the Help-to-Buy, self-build, expat and holiday home market, and offer intergenerational mortgages for parents and grandparents wishing to help their children and grandchildren onto the property ladder.

Remortgaging

Whatever your reason for remortgaging, we can help you find the right solution. Whether you need to raise capital against your property, carry out home improvements or are looking to reduce your monthly outgoings with more competitive rates, we can manage your application from start to finish and alleviate the burden on you.

Your home, other property or the home on which the mortgage is secured may be repossessed if you do not keep up repayments on your mortgage.

* Commercial and some buy to let mortgages are not regulated by the Financial Conduct Authority.

** Subject to status.

***Please note that if your mortgage is in pounds sterling, changes in the exchange rate could increase the overall value of your debt.

+Please note that this services is separate and distinct to those offered by St. James’s Place.