Residential Mortgages

Whether you’re aiming to get on to the property ladder for the first time, are looking to move house or remortgage, we can help.

As a specialist mortgage brokerage, we can not only offer you great products from well-known high-street banks, but can also help you when your circumstances don’t fit so neatly into a box.

Speak with a consultant

Our team of 40+ consultants have a wealth of experience in the industry and are here to assist with a wide range of different scenarios such as:

Self-employed/complex employment status
Unusual property types and listed properties
Self-build
Adverse credit status
Expat status

We can also help with additional borrowing – see Second Charge Mortgages.

Case Studies

Right to Buy with adverse

A couple approached us wanting to buy their council house on a ‘Right to Buy’ scheme. Due to one of the applicants having multiple defaults and being on a debt management plan, they had been declined by a number of lenders already. We were able to get our clients an offer with a specialist lender that would accept the adverse credit. They are now owners of the house which has been home to one of them since childhood. (September 2023)

Consultant: Philip Rahman

Purchasing with adverse credit

A client with a poor credit history came to us for help with purchasing a property using proceeds from the sale of their parent’s property as deposit. They were unsure if it was even going to be possible due to the poor credit history. After talking through their circumstances, we were able to reassure them that there were options and four months later, when the parent’s property had sold, we were able to find an even more competitive solution thanks to the credit issues becoming more historic. (August 2023)

Consultant: Simon Rogerson

Expat purchase

We have been working with a client who is an expat, spending half their time here and the other half in Europe for work. High street lenders would not consider them as they do not officially reside in the UK. Whilst our client expected to be back full time in the near future, they were unable to provide the required proof of this. We found a lender that could lend to the client on a competitive rate, keeping the payments down for a couple of years until he officially resides back in the UK. (June 2023)

Consultant: Simon Rogerson

Residential mortgage calculator

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Mortgage type?

Repayment

Interest only

Estimated monthly payment*

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*Please be aware, these results are for illustrative purposes only and should not be considered as a mortgage quote. Lender fees may also be applicable.

If selecting ‘Repayment’ as your mortgage type:

The estimated monthly payment is based on a repayment mortgage and may vary depending on the term and interest rate of your mortgage.

If selecting ‘Interest only’ as your mortgage type:

Monthly repayment consists of chargeable interest only. There is no monthly capital payment for this type of mortgage. As no capital repayments are made during the term of the mortgage, monthly costs are lower, however you will not be reducing the balance of the mortgage and the equity in your home or property will be dependent on increases or decreases in market prices. Suitable in limited circumstances for people who do not wish to repay the capital until the end of the mortgage term. Repayment of the loan is self-managed by you and would usually be paid from proceeds of the sale of your home/property, inheritance, savings or investments. This type of mortgage is not accepted by all lenders. Lenders who offer this type of mortgage may require a repayment vehicle to repay the balance at the end of the term. If the proceeds of your repayment vehicle don’t cover the full amount of your mortgage, you will be responsible for paying the difference.

** The 4.7% annual interest rate is based on the Connells Group average mortgage interest rate taken from the period of 01/01/2024 – 01/03/2024 and is correct as at 07/03/2024.