Illustrative scenario
A £620,000 flat with rising service charges
The monthly mortgage payment is only part of the affordability and property review.
Explore the briefYour home. Your next chapter.
Residential mortgages
Buying your first home, moving or reviewing your mortgage? Get personal advice that brings your income, property and longer-term plans together.
Speak directly with Jack · 07456 935677
Find your starting point
Services, clearly organised.
Open the group closest to your plans, then choose a service for the detail and next steps.
Buying, moving and building a home
Your homeBuying, moving and building a homeFirst purchase, next move, supported deposit and less-standard ways to create a home.View 10 services +
- First-time buyersFrom a deposit to a workable plan↗
- Moving homeCheck the existing deal before choosing the next one↗
- Low-deposit mortgagesLook beyond the deposit percentage↗
- Family-assisted mortgagesAgree what the help really means↗
- Gifted deposit mortgagesEstablish whether the money is genuinely a gift↗
- Joint borrower, sole proprietorBorrowing and ownership are different questions↗
- Shared ownershipBudget for every part of the housing cost↗
- Right to BuyUse the formal offer as the starting point↗
- New-build mortgagesA mortgage offer and a building programme have different clocks↗
- Self-build mortgagesMatch funding stages to the build budget↗
Reviewing, restructuring and raising funds
Your current mortgageReviewing, restructuring and raising fundsCompare the existing deal, repayment method, flexibility and total cost before changing the borrowing.View 10 services +
- RemortgagesCompare the whole change, not just the rate↗
- Product transfersUnderstand what staying actually changes↗
- Porting an existing mortgageTreat the move as a new lending decision↗
- Fixed-rate mortgagesChoose a period that fits your plans↗
- Tracker mortgagesRead the tracking rule and any floor↗
- Offset mortgagesSavings can reduce the balance charged interest↗
- Interest-only mortgagesThe end-of-term balance needs a credible plan↗
- Second-charge mortgagesCompare the combined cost of both loans↗
- Capital-raising remortgagesEquity is only one part of the decision↗
- Debt-consolidation mortgagesA smaller payment is not the same as a cheaper debt↗
Self-employed, professional and complex income
How you earnSelf-employed, professional and complex incomeStart with how earnings are produced and evidenced, rather than trying to force every applicant into a payslip-shaped box.View 14 services +
- Self-employed mortgagesTranslate the business into a lender's income assessment↗
- Company director mortgagesSeparate your drawings from the company's capacity↗
- Contractor mortgagesA day rate is a starting point, not an annual salary↗
- Sole trader mortgagesExplain what sits behind the annual profit↗
- Fixed-term contract mortgagesUse the contract history, not only the current end date↗
- Mortgages during a probation periodExplain the new role and the employment risk clearly↗
- Maternity and parental leave mortgagesSeparate leave income from the confirmed return position↗
- Complex income mortgagesIdentify what is income and what is reimbursement↗
- Multiple income streamsGive every income stream a source and a history↗
- Bonus and commission mortgagesBuild a history that shows the pattern↗
- Overtime and shift allowancesShow what is regular, variable and sustainable↗
- Professional mortgagesThe career path needs to match the numbers↗
- Mortgages for doctorsSeparate the role, contract and earnings↗
- Mortgages for dentistsIdentify the business model behind the income↗
Defaults, missed payments and credit questions
Credit historyDefaults, missed payments and credit questionsHistoric credit needs accurate dates, context and an individual assessment.View 5 services +
- Adverse credit mortgagesThe detail matters more than a credit score↗
- Mortgages with a defaultPut the default in context↗
- Mortgages with a CCJEstablish the facts of the judgment↗
- Mortgages after missed paymentsLook at the account type and recent conduct↗
- Mortgage after a bank declineFind the cause before choosing the next lender↗
£1m+ mortgages, large homes & private clients
Larger borrowing & private clients£1m+ mortgages, large homes & private clientsLarge loans, interest-only plans, country estates, HNW and UHNW borrowers, with dedicated guides for complex income and substantial wealth.View 14 services +
- Large mortgages of £1m+Make the size and structure work together↗
- Large interest-only mortgagesMake the repayment strategy specific↗
- Complex and unusual propertiesDescribe the security, not just the purchase price↗
- High-net-worth mortgagesDistinguish wealth from funds available to repay↗
- Ultra-high-net-worth mortgagesBring the balance sheet and the borrowing purpose together↗
- Family-business ownersReconcile the people, entities and personal income↗
- Mortgages for investment bankersSeparate received earnings from future awards↗
- Mortgages for law firm partnersExplain what drawings represent↗
- Mortgages for barristersReconcile the practice with the personal income↗
- Mortgages for private equity professionalsMap each payment and each obligation↗
- Mortgages for hedge fund professionalsShow the structure behind the annual figure↗
- Mortgages for technology foundersDistinguish company value from personal resources↗
- Mortgages for senior executivesTurn the remuneration package into clear evidence↗
- Mortgages for entertainers and media professionalsExplain the income across projects↗
Athletes and footballers
Performance careersAthletes and footballersContract length, variable income, relocation and life after the current playing career need to be part of the mortgage assessment.View 11 services +
- Athlete mortgagesThe current contract needs a longer-term context↗
- Footballer mortgagesBreak the contract into assessable earnings↗
- International athletesConsider the club, country and currency↗
- Mortgages for rugby playersBuild the budget around the contract you have↗
- Mortgages for cricketersSeparate the season from the longer income history↗
- Mortgages for tennis playersLook beyond the headline prize money↗
- Mortgages for professional golfersGive each source of earnings its own evidence↗
- Mortgages for professional boxersSeparate a fight purse from sustainable income↗
- Mortgages for motorsport professionalsIdentify who pays you and on what terms↗
- Mortgages for sports coaches and managersStart with the employment or trading arrangement↗
- Mortgages for retired athletesAssess the income you have now↗
Larger loans & individual properties£1m+ borrowing, substantial homes & landOpen the group to explore the loan, property and project pages relevant to your plans.View 10 routes +
- £1m+ mortgagesLarger purchases, refinancing and the evidence behind the borrowing.↗
- Large homes & country estatesSubstantial houses, outbuildings, annexes and the wider estate.↗
- Complex property typesAcreage, annexes, outbuildings, mixed use, unusual construction and multiple titles.↗
- Land, acreage & sitesSeparate land purchases, planning, access and the proposed exit.↗
- Mixed-use propertyA property combining residential, business or rental uses.↗
- Development financeLand acquisition, construction, funding stages and project exit.↗
- High-net-worth mortgagesIncome, assets, liabilities and available liquidity.↗
- UHNW mortgagesSubstantial wealth, ownership structures and international circumstances.↗
- Large interest-only mortgagesAffordability, term and a specific repayment strategy for a larger facility.↗
- International HNW mortgagesResidence, currencies, company interests, assets and a UK-property objective.↗
Interactive home finance journey
Picture your next chapter.
Move through the house and the decisions around it. Scroll through the story or choose a numbered stop.
The front doorIllustrative home · Scroll to explore
Start with the place you want to call home.
A first purchase, a move or a new mortgage on the home you already have. Start with your plans and the budget you want to live with.
First-time buyers ↗Make the monthly numbers feel comfortable.
Look at the mortgage alongside everyday spending, other commitments and the costs of moving. A useful budget leaves room for life after completion.
Explore the calculators ↗A mortgage that reflects your circumstances.
Self-employed, paid a bonus or earning in more than one currency? We put the evidence around your income and discuss what a lender needs to understand.
Complex income advice ↗Bring the plan together.
From lender questions to the offer and legal process, keep the next step clear. We can also talk about protection around your home and income.
Discuss your next move ↗Let’s make your next move clearer.
Tell me what you want to do. I’ll help you understand the next step.