Step 1
Income
- Total income
- —
This choice selects first-time buyer or homemover rates, and the matching stamp duty.
Your figures
Income in step 1, the loan in step 2, stamp duty in step 3. Every result is an illustration, not a mortgage offer and not what a lender will advance.
Step 1
This choice selects first-time buyer or homemover rates, and the matching stamp duty.
Step 2
Add a property value, loan and term. The rate is taken from the table below.
Step 3
The price comes from step 2. England and Northern Ireland only. First-time buyer or homemover follows step 1. Additional property is the only choice you make here.
Add a purchase price in step 2 to illustrate stamp duty.
High-street indication
A sample from seven high-street residential guides, read on 27 October 2026. Not a live whole-of-market search, and not a mortgage offer. Each deal shows the lowest rate with a product fee and the lowest rate with no fee. The lowest pay rate is selected to start. Choose another row and step 2 uses that rate.
Add a property value and loan amount in step 2 to see a high-street indication.
Deposit
—
LTV
—
Income multiple
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Monthly
—
Stamp duty
—
Preparation is everything. If your current deal is not ending just yet, no problem. We can put you into our diary and start a review 3 months ahead. We will compare rate switch options from your current lender to the rest of the market and show you the options. We book a deal and then sit tight. We can take advantage of any rate drops before the new deal kicks in, and that booked rate stays reserved if rates move the other way.
Deal not ending yet? Get in touch and we'll put you in the diary to review 3 months out
What we do
Schemes, deposits and a clear path onto the property ladder.
Read moreHome mover and next-step purchase mortgages.
Read moreLeave a deal, cut the rate, or release equity.
Read moreCompany directors, partnerships, sole traders and contractors.
Read moreProduct transfer with your current lender.
Read moreHigh-value lending, often £1m and above.
Read moreSingle-let purchases and refinances, personal name.
Read moreHouses in multiple occupation, and rentals held in a company.
Read moreOptions for inside and outside IR35.
Read moreProcess
01
Income, deposit, property, timescales. A 20-minute call or brief email exchange is usually enough to see whether we can help and what the monthly cost might look like.
02
We are not tied to one bank. We compare lenders and source the best options based on your circumstance and requirements, including specialist lenders that aren't on the high street.
03
We discuss your options and help you decide which route to take. You get a clear recommendation, costs, and an illustration.
04
We manage the application, chase underwriters, mortgage survey, document review and keep you (and your solicitor) updated. We do all the heavy lifting.
05
Once the offer is in, we're still here to help. We'll liaise with your estate agent, solicitor and assist where needed to get your new mortgage over the finishing line.
Call 0204 551 2123 or send a short brief. We will tell you quickly whether we can help — and what it is likely to cost per month.