Mortgages

Your home, sorted.

Low deposits, schemes you might not know about, and a long view on what's actually affordable.

A row of British townhouses in Notting Hill

Whether you're buying your first home, moving up the ladder or remortgaging, you'll work directly with an adviser who knows the market - and the lenders who actually want your case.

We help with
  • First-time buyers
  • Home movers
  • Remortgages and product transfers
  • Self-employed and complex income
  • New build and shared ownership
  • Debt consolidation
  • Home improvements
  • Later-life and equity release referrals
A handsome British home with a tidy front garden

We compare the whole UK market

We're independent, which means we search across a wide range of lenders - high-street banks, building societies and specialist providers that most people don't realise exist. That matters when your situation is straightforward, and even more when it isn't.

First-time buyers

Buying your first home is a big deal and the process can feel hard to follow. We'll explain how much you can borrow, the deposit you'll need, the schemes available (including shared ownership and new build), and what each lender is looking for - so you can make an offer feeling confident.

Remortgaging or staying put

Coming to the end of your fixed rate? We'll review your options well ahead of time, and compare staying with your current lender against switching to a new one. We don't charge a fee just to find out where you stand.

Self-employed and other tricky income

Limited company directors, contractors, freelancers, and people whose income comes mostly from bonuses - we know which lenders will look at the profit kept inside your company, your contractor day rate, or just one year of accounts, and we know how to put the application together to give you the best chance.

The questions we hear most often.

If yours isn't here, just ask - there's no such thing as a silly question on something this important.

How much can I borrow?
It depends on your income, deposit, dependants and any other monthly commitments. A short call with us gives a much sharper number than any online calculator.
What does it cost?
Initial conversations are free. If we go ahead, we'll be upfront about any fee before you commit.
How long does it take?
A decision in principle (an early indication from a lender of how much they'd lend) can often be issued the same day. The full mortgage offer usually takes a few weeks once a property is agreed, though some lenders are faster.
Nouveau FS GroupDirect line

Tell us what you're trying to do.

No forms, no call queues. Pick up the phone or send us an email and you'll speak to a real person - usually the same working day.