We are a team of
friendly expert mortgage advisors.
Rate Track, if the rate drops, your case gets the new lowest rate.
Free Insurance Review, included with every application.
End to end communication, we tell you what is happening before you ask.
Same day advice
You will not have to wait to know your numbers.
Whole of the market
We search our full panel of 150+ lenders to find your best fit.
We handle it all
From application to completion, we do the calls and the paperwork.
Fee-free advice
No obligation to proceed. Read our Fee Disclosure for details.
Real cases
Specialists in mortgages other lenders decline
We genuinely enjoy the cases high street lenders find too hard. We compare across specialist and high street lenders for your circumstances.
Real people
One dedicated mortgage advisor and admin
A dedicated advisor and admin will own your case from the first call through to completion.
Real solutions
Whole of market mortgage search
We compare across specialist and high street lenders for your circumstances.
From your first call to your mortgage offer, and beyond
Our proven mortgage process guides you through every step, so you always know where you stand.
Quick friendly chat
A call about your goals, your income and the property you have in mind.
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Your application
We search the market, find the right lender, and get your application submitted.
Get your keys
Leave it with us. Stay close to your phone for updates every step of the way, until you get the keys.
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01
Quick friendly chat
A call about your goals, your income and the property you have in mind, so we know where to start.
02
Your application
We search the market, find the right lender, and get your application submitted.
03
Get your keys
Leave it with us. Stay close to your phone for updates every step of the way, until you get the keys.
Advice built around your circumstances
Whatever your situation, there is likely a lender for you. Tell us about it and we will find the route, subject to lender criteria and affordability.
First time buyers
Buying your first home comes with a lot of new terms and decisions, from working out your deposit to understanding what you can actually borrow. We talk you through the process clearly, check your options against lenders across the market, and handle the paperwork so your application goes in with everything a lender needs from day one.
Home movers
Moving home usually means juggling a sale, a purchase and a new mortgage at the same time, often with a chain attached. We look at whether it makes sense to take your existing deal with you, switch lenders, or borrow more, then keep both sides of the transaction moving so the timings line up as closely as possible.
Remortgage
Coming to the end of a fixed rate is not the only reason to remortgage. We also help clients remortgage to release equity, whether that is for home improvements, buying another property, or funding something like a special holiday. We compare your existing deal against the rest of the market, work out how much you could release based on your circumstances, and manage the switch for you from start to finish.
Buy to let
Buy to let is where Home of Mortgages spends most of its time, whether that is a first rental property, a growing portfolio, or ownership through a limited company. We know which lenders are comfortable with HMOs, student lets and multi unit blocks, and we match your strategy, whether that is rental income, capital growth, or both, to the lender best suited to it.
Loved by clients across the UK
Crunch the numbers in seconds
Four calculators to give you a friendly starting point. Pop in a few figures and see where you stand, then let us take it from there.
Mortgage Affordability Calculator
See roughly how much you could borrow based on your income. A friendly first look at your budget.
Self-Employed Mortgage Affordability Calculator
Work out how much you could borrow, based on how lenders actually assess sole trader or limited company income.
Mortgage Repayment Calculator
Estimate what your monthly repayments might look like across different terms and rates.
Stamp Duty Calculator
Work out the Stamp Duty you may owe on a purchase, so there are no nasty surprises later.
Mortgage FAQs
What makes a case "complex"?
Anything that doesn’t fit a standard lender’s tick-box: self-employed or multiple incomes, adverse credit, unusual property, or lending later in life. These are exactly the cases we specialise in.
Do you charge a fee for advice?
Your initial chat is free and with no obligation. If a fee applies to your case we’ll always explain it clearly and up front before you commit to anything.
Can you help if I have been declined elsewhere?
Often, yes. A decline with one lender doesn’t mean a decline everywhere. We search whole of market to find lenders whose criteria may suit your circumstances – subject to the lender’s affordability analysis.
How quickly can I get advice?
We offer same day advice. Get in touch and we’ll arrange a time that works for you, by phone or video.
Are you regulated?
Yes. Home of Mortgages is a trading style of LBR Financial Solutions Limited, an Appointed Representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority (FRN 570711).
How do I get a mortgage as a first time buyer?
Home of Mortgages helps first time buyers get a mortgage by looking at income, deposit, and credit history, then matching the application to a lender from across the whole market who is likely to approve it. Getting started usually means having proof of income, funds for the deposit, and enough set aside for other costs such as solicitors’ fees, valuation fees, and Stamp Duty where it applies. Every case is different, so the outcome will always depend on the lender’s criteria and the information provided.
Can I get a mortgage if I am self employed?
Yes, self employed people can get a mortgage, and Home of Mortgages arranges these regularly. Lenders usually want to see one to two years of accounts or tax returns to confirm income, though some will accept just one year’s figures. Because lenders treat self employed income differently from one another, the right option will depend on how the business is structured and how the income is documented.
Can I get a mortgage with bad credit?
Yes, a mortgage with bad credit, sometimes called adverse credit, is possible. Home of Mortgages works with lenders across the high street, building society, and specialist markets who will consider applicants with missed payments, defaults, or a poor credit history. The right lender depends on how recent and how serious the credit issue is, along with the deposit available, so advice is always based on the individual’s circumstances.
What is a buy to let mortgage?
A buy to let mortgage is a loan used to purchase a property that will be rented out to tenants rather than lived in by the owner. Home of Mortgages specialises in buy to let, from a first rental property through to a portfolio of ten or more, including purchases made through a limited company. Lenders assess buy to let applications differently to residential ones, usually looking at the rental income the property can generate alongside the deposit and the strategy behind the purchase.
Get your numbers today.
Book a free, no obligation chat with a specialist advisor.
Same day advice, even on the tricky cases.
The Home Group
Specialist advice across your whole property journey, from one trusted group of experts.
Your home may be repossessed if you do not keep up repayments on your mortgage.