Residential street

Residential Mortgages

Mortgages for your own home, whatever your circumstances

Whether you’re aiming to get on to the property ladder for the first time, are looking to move house or remortgage, we can help.

As a specialist mortgage brokerage, we can not only offer you great products from well-known high-street banks, but can also help you when your circumstances don’t fit so neatly into a box.

Modern apartments

Our team of 40+ consultants have a wealth of experience in the industry and are here to assist with a wide range of different scenarios such as:

  • Self-employed/complex employment status
  • Unusual property types and listed properties
  • Self-build
  • Adverse credit status
  • Expat status

We can also help with additional borrowing – see Second Charge Mortgages.

Case Studies

Joint purchase whilst in probationary period

Our clients were selling their individual houses and purchasing together. With one property sold and the other sold subject to contract, they were keen to proceed on the purchase. Unfortunately, one of the clients had recently been made redundant and, despite finding another job quickly, was still in a probationary period. Coupled with some repaid defaults, this meant that they had been turned down by several lenders. We work with lenders that accept these types of circumstances and were able to quickly facilitate the completion of the purchase. (June 2024)

Consultant: Qais Safi

Struggling with a small credit footprint

A couple who had just moved back to the UK from Australia were looking to purchase a property at a loan to value of 85%. With only a very small credit footprint in this country, they needed a lender who would do a manual search. Despite a good income, there were also difficulties based on the size of the loan required and the high LTV. We were able to select a lender that took everything into consideration and completed in a timely fashion. (March 2024)

Consultant: Joshua Chan-Marshall

Lending past state retirement age

We were approached by middle-aged clients who were looking to purchase their first property. They were struggling to get a mortgage term that was long enough to make payments affordable as most lenders approached would only lend to state retirement age, meaning payments were too high. Due to the large number of lenders that we work with, we were able to secure a mortgage for them with a prime lender who would take into account their non-manual roles and include their pension contributions to lend on a longer term. (January 2024)

Consultant: Alex Penny

Residential mortgage calculator

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Mortgage type?

Estimated monthly payment*

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*Please be aware, these results are for illustrative purposes only and should not be considered as a mortgage quote. Lender fees may also be applicable.

If selecting ‘Repayment’ as your mortgage type:

The estimated monthly payment is based on a repayment mortgage and may vary depending on the term and interest rate of your mortgage.

If selecting ‘Interest only’ as your mortgage type:

Monthly repayment consists of chargeable interest only. There is no monthly capital payment for this type of mortgage. As no capital repayments are made during the term of the mortgage, monthly costs are lower, however you will not be reducing the balance of the mortgage and the equity in your home or property will be dependent on increases or decreases in market prices. Suitable in limited circumstances for people who do not wish to repay the capital until the end of the mortgage term. Repayment of the loan is self-managed by you and would usually be paid from proceeds of the sale of your home/property, inheritance, savings or investments. This type of mortgage is not accepted by all lenders. Lenders who offer this type of mortgage may require a repayment vehicle to repay the balance at the end of the term. If the proceeds of your repayment vehicle don’t cover the full amount of your mortgage, you will be responsible for paying the difference.

** The 4.7% annual interest rate is based on the Connells Group average mortgage interest rate taken from the period of 01/01/2024 – 01/03/2024 and is correct as at 07/03/2024.

Contact Details

Trading office: Building Eight, Watchmoor Park, Camberley, Surrey, GU15 3YL

Registered in England No. 5695802

Tel: 01276 601040 or 0800 170 1888