Mortgages

Buying a home or reviewing an existing mortgage involves more than finding a rate. Your deposit, income, commitments, property and plans all affect which option is suitable. We help you understand the choices and guide you through the application.

What can we help with?

• First-time buyers: We can explain borrowing, deposits, decisions in principle and the steps from making an offer to completion.
• Home movers: We can consider a new mortgage alongside any option to port your existing deal, taking fees and early repayment charges into account.
• Remortgages: We can review staying with your lender against moving to another, considering rates, fees, term and your wider plans.
• New builds: We can help you understand the mortgage requirements for a newly built home and plan around reservation and completion deadlines.
• Specialist circumstances: If you are self-employed, have several income sources or need a more detailed assessment, we can discuss possible lending routes.

How our advice works

We begin by understanding what you want to achieve and gathering the information needed to assess affordability and lender criteria. We explain the options, recommend a suitable mortgage where available, and outline the costs before you apply. A lender makes the final lending decision and may require a valuation and further evidence.

Questions we can talk through

How much might I be able to borrow? What deposit do I need? What will the monthly payments and total borrowing cost look like? Is a fixed or variable rate suitable for my plans? What happens if my income or circumstances change? We will discuss the questions that matter to your case rather than assume one answer fits everyone.

Speak to an adviser

Book an initial conversation with our Accrington team. We work with clients locally and across the UK by phone and online.

Ask About a Mortgage

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.