Mortgages made simple.
Just clarity, strategy and results.
First Time Buyers
Mortgages specifically designed for individuals who are purchasing their first home.
Residential
A residential mortgage is a type of loan used to purchase or refinance a residential property.
Buy To Let
Designed for individuals who want to purchase a property with the intention of renting it out to tenants.
Let To Buy
A mortgage that enables homeowners to rent out their existing property and purchase a new one to live in.
Remortgage
Remortgage is a process when a homeowner switches their existing mortgage to a new lender or product.
Protection
You’re in safe hands. I can support you in safeguarding your financial wellbeing and assets in case of unforeseen events.
Bridging Finance
A short-term loan used to quickly secure a property or access funds, typically until long-term financing is in place.
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The mortgage process
Pre-Qualify for a Mortgage
In this first step, you will learn how to pre-qualify for a mortgage by having a consultation. This step includes information on the documents and everything else needed to pre-qualify, such as credit score, employment history, income, and commitments.
Select your mortgage
Choose between various mortgage products available, including fixed- rate mortgages, tracker or discounted rate mortgages, variable mortgages. offset mortgages, and more. This includes the pros and cons of each product, as well as the requirements for eligibility.
Close up on your Mortgage
We will be going through final steps in the mortgage process, such as submitting an application, getting a mortgage offer, and closing on the loan. This step includes guidance on the timeline for closing, as well as any fees or costs associated with the process.
Reliable & fast advice for all your mortgage needs…
From first time mortgages to investment and everything in between. I am here to help you in all aspects around your mortgage and protection needs.
A wide variety of lenders from high street to specialist.
You're in safe hands. I am fully qualified.
“Mortgages are boring. Mortgage brokers make them fun! I am committed to taking the stress out of the most challenging financial situations in life – from arranging relevant protection to arranging a mortgage for a home purchase. Access to a variety of lenders allows me to find you the most suitable product for your situation”
Simona Minikaitiene
(CEO & Founder)
Everything taken care of
Everything under one roof, saving you time and money.
Personal approach
Customer service is very important to me and is at the front of everything I do.
Tailored solutions
I will ensure that your needs are met, because there is no one size fits all solution.
Real people, real results
Frequently asked questions
What Proof Do You Need of My Identity and Income?
Typically, the documents you might need to provide include: three months of payslips; bank statements; proof of identity; proof of address; proof of deposit; existing mortgage statement (if applicable) and business accounts or SA302’s if you are self-employed.
What does a decision in principle mean?
A decision in principle shows what a lender could be prepared to lend you. It’s also known as a mortgage in principle or an agreement in principle. It’ll give you an idea of what you can afford – handy for when you start looking for your dream home.
However, a full mortgage application must be completed to secure a formal mortgage offer. That bit comes once you’ve offer accepted on the house you want to purchase.
What’s the difference between a fixed-rate mortgage and a variable-rate mortgage?
With a fixed-rate mortgage, the amount you pay stays the same for an agreed term. This gives you peace of mind knowing your monthly repayments won’t change within that term – making budgeting easier.
By contrast, with a variable-rate mortgage, the amount you pay can go up and down with the Bank of England base rate.
Not sure what the base rate is? It influences the interest rates that lenders charge for things, such as mortgages and other loans. So, if the base rate rises, your monthly repayments are likely to go up, and vice versa.
How can I pay off my mortgage more quickly?
If you want to pay off your mortgage more quickly, you could look at making overpayments. Most of the lenders allow 10% annual overpayments without incurring early repayment charges. Do check lender’s terms and conditions.
How long will house purchase take?
Usually it takes from 6- 12 weeks. Mortgage process is just a tiny piece in the purchase puzzle! Conveyancing work usually takes most of the time, therefore pay attention when choosing a conveyancer.
Can I take a new credit card/ loan whilst in the mortgage process?
Avoid taking any new credit commitments, as no matter that you have received a formal mortgage offer, before releasing funds, the lender might do an additional credit check and the offer might be pulled off.
What is max age for a mortgage?
There is no single answer to this. Most of the lenders lend up to the 70th birthday of an older applicant. However, there are many who go beyond! Don't forget there are retirement mortgages too.
How long should I fix my mortgage for?
There’s a range of factors to consider here, including interest rates, mortgage costs, and also your particular plans.
Within the market, deals typically vary from two-year fixed-rate deals, through to 10-year fixed-rate deals.
You may warm to the idea of your monthly repayments staying the same for a decade. But remember that if your circumstances change and you do need to sell during that time, you could face large early repayment charges.
If you think you might end up moving in a few years, a shorter deal could be more appropriate.
Can I get a mortgage with adverse credit?
Depending on your situation and what kind of adverse you have, it might be possible to obtain a mortgage. If not from one of the high street lenders, then one of the specialist lenders might look at it.
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