A real person in our office who has your best interests at heart. A brokers job is to get you the best rate possible & successfully get you to the finish line - completion day!
A less-than-perfect credit history doesn’t necessarily mean your property plans have to stop. Whether you’ve experienced missed payments, defaults, CCJs or other credit issues, there may still be mortgage options available depending on your individual circumstances.
Search across a wide range of lenders to find a mortgage that suits you. By looking beyond a single bank or lender, your mortgage adviser can compare available products, rates and lending criteria based on your individual circumstances.
There are quite a few lenders offering green incentives at the moment including but not limited to HSBC, Barclays, Nationwide, NatWest, TSB and Halifax.
Having this in place helps you set a realistic property budget, strengthens your position when making an offer, and shows estate agents and sellers that you’ve already taken steps towards arranging your mortgage.
Mortgage
Trusted | Real | In Person | In Office | Making your first purchase simple, clear, and stress-free. Poor Credit?- Its usually not as bad as you think!
Garden Avenue
Worsley, M20 2EB
500,000
2
1
1
Garden Avenue
Worsley, M20 2EB
500,000
2
1
1
Garden Avenue
Worsley, M20 2EB
500,000
2
1
1
Garden Avenue
Worsley, M20 2EB
500,000
2
1
1
Garden Avenue
Worsley, M20 2EB
500,000
2
1
1
Mortgage
For most people, buying a home outright with cash isn’t realistic. A mortgage allows you to spread the cost of a property over time, making homeownership achievable without needing the full purchase price upfront.
Instead of paying hundreds of thousands of pounds at once, you:
Put down a deposit (often as little as 5%)
Borrow the remaining amount from a lender
Repay it monthly over an agreed term (usually 25–35 years)
This means you can:
Buy a home sooner rather than waiting years to save
Keep savings aside for renovations, furniture, or emergencies
Start building equity in your own property instead of paying rent
For example, with a 5% deposit, you could purchase a £200,000 home with £10,000 upfront, borrowing the remaining £190,000 through a mortgage. A mortgage turns property ownership from a long-term dream into a realistic next step.
Tailored Mortgage Advice
When you go directly to a bank, you’re limited to that bank’s products only - even if better rates exist elsewhere. A mortgage advisor works differently.
We work with a trusted mortgage advisory team who can shop around the market on your behalf, comparing deals from a wide range of lenders rather than just one. This allows them to:
Compare multiple lenders at once
Identify products suited to your personal circumstances
Secure competitive rates and terms that aren’t always available directly to the public
Because advisors place high volumes of business with lenders, they can sometimes access preferential or exclusive rates, helping reduce monthly payments and overall borrowing costs.
They’ll also advise on low-deposit options, meaning you could buy a £200,000 property with as little as 5% deposit (£10,000), subject to eligibility.
Independent advice, wider choice, and a smarter route to securing the right mortgage.
