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First Time Buyers

Buying a house is one of the most important purchases you will make. Buying a home for the first time can be an even more daunting prospect. You are not limited to just mortgages designed for first time buyers. Depending on your circumstances we will recommend the best mortgage for you from the wide range of mortgages on the market for house movers, such as the lowest fixed rate mortgages or base rate tracker mortgages. So, rather than trawling the high street and agonising over your choice, you could save time and potentially a large amount of money, by contacting us and getting the very best mortgage quote for your situation.

Help to Buy Scheme

The Help to Buy initiative was introduced by the UK government in April 2013 to allow first time buyers and home movers to purchase a new home with a 5% deposit.

The Help to Buy Equity Loan scheme is available on new build properties from participating home builders and offers an interest rate as low as 2.34%. A minimum of a 5% deposit is required in order to receive a 20% equity loan from the government, followed by a 75% mortgage from a qualified lender.

Unlike other shared equity schemes, you will retain 100% ownership of your home. In England the equity loan from the government will be interest free for the first 5 years. After year 5, a 1.75% fee is payable which will rise alongside RPI inflation, plus 1% annually. In Scotland the equity loan remains interest free for the duration of the loan.

We have helped many people across the country to get their dream homes. Please call us so we can help you further to achieve this dream.


We understand that your need for remortgaging is unique to your circumstances. Typical reasons for remortgaging are to save money, release equity or even get your mortgage paid off sooner

  • Your current deal is about to end soon
  • You want a better rate to save money on your current mortgage
  • You want to switch from interest only to repayment mortgage
  • You want to borrow more money or release equity

But before you switch why not speak to a friendly, independent mortgage expert

Buy to Let

A buy to let mortgage is a mortgage product specifically for properties which are being let out. They typically require a larger deposit and have higher interest rates and arrangement fees than normal mortgages. The amount you can borrow is usually based on the amount you will be able to let your property out for.

Buy to let* should be seen as a long term financial investment and it's essential to be completely informed so that there are no unforeseen surprises along the way. Contact us and we can help you with the procedure and offer guidance to prevent common mistakes, maximising your returns and reducing your risk.

Try not to let the recent loss of tax relief and increase in stamp duty for buy to let property put you off this kind of investment, there is still money to be made, it is a matter of doing your sums right and keeping costs such as mortgage repayments as low as possible.

Mortgage brokers have access to a broad range of buy to let products provided by large high street banks as well as smaller banks and building societies and specialist lenders.

We can match your specific financial circumstances with the most suitable deals for you, enabling you to achieve a competitive return from your investment.

Buy to let mortgages can have large fees and higher than average interest rates. A mortgage broker can help you to weigh up the options available to you.

Applying for a mortgage using a broker is quick and easy, we can save you time and stress leaving you free to focus on other aspects of your new investment.


Credit reports are vital to day to day lives from monitoring your record for inaccurate information or more serious fraud, they are also vital to us to help you get the best deal possible.

They are the primary tool the lenders use to decide if you are able to obtain a mortgage. Please obtain your reports from the following means to help us and you give the best picture possible of your credit profile: