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Residential services

Which best fits your situation?

Residential mortgage advice for homeowners and buyers across Brentwood, Essex and London. Whether your income is straightforward or more complex, we’ll help you find the right lender and navigate the process from first conversation through to completion.

🎉

First-Time Buyers

Everything you need to know about buying your first home — deposits, schemes, affordability and the full process explained clearly.

5% depositFamily SpringboardNew build
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🏠

Buying or Moving Home

Purchasing your first home or moving to your next. Full process from initial advice to completion.

First-time buyerHome moverBrentwood
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🔄

Remortgaging

Fixed rate ending or looking for a better deal? We review the whole market. No broker fee.

Product transferSwitch lenderNo fee
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💼

Self-Employed Mortgages

Directors, sole traders, partnerships — we know how to present your case to the right lenders.

DirectorsSole tradersEssex
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📋

Contractor Mortgages

Day-rate, inside or outside IR35 — assessed on contract income, not accounts.

Day rateIR35Umbrella
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📊

Interest-Only Mortgages

Lower monthly payments with a clear repayment plan. Criteria explained honestly.

Part & partLater lifeEssex
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💰

Second Charge Mortgages

Borrow against your property without disturbing your existing mortgage or triggering early repayment charges.

Keep your rateNo ERCEssex
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🏗

New Build Mortgages

Offer periods, exchange deadlines, developer incentives and high-rise lending restrictions — new build purchases need careful handling.

New buildDeposit UnlockEssex
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🏭

Self-Build Mortgages

Building your own home? Staged drawdown finance with specialist lenders, released as the build progresses.

Staged drawdownSpecialist lendersEssex
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✈

Expat Mortgages

UK nationals living abroad purchasing or refinancing UK property.

Overseas incomeBTL & residential
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“The service is so efficient and personal and I wouldn’t go anywhere else.”Kim Marsden · Google Review ★★★★★
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