Mortgages & Remortgaging · Bath

Mortgage advice, whole-of-market.

Independent advice on the largest financial commitment most clients ever make. Purchase, remortgage, buy-to-let — with access to lenders who don’t deal with the public directly.

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£200k
roughly the interest on a typical 25-year mortgage. The right deal, not just the headline rate, is what keeps that number down.
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A mortgage is the largest financial commitment most people ever make. Getting the right one isn’t about the headline rate — it’s about the whole deal, over the whole term.

A quick illustration

What would the repayments be?

Set a loan, a rate and a term to see the monthly payment and what you’d repay over the life of the mortgage. Illustrative, not a quote — your actual deal depends on the lender and your circumstances.

£300,000
£0£750k£1.5m
4.5%
0.5%9%
25 years
5 yrs40 yrs
Repayment type
Monthly payment
£1,667 / month
On a repayment basis, each payment clears the interest and chips away at the capital.
CapitalInterest
Loan amount£300,000
Rate & term4.5% over 25 yrs
Total interest£200,200
Total repaid£500,200

Illustrative only — not advice, a forecast or a quote. Assumes a single fixed rate for the whole term; in reality rates change at the end of each deal, and your actual payment depends on the lender, the product and your circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage.

i. · What this includes

Whatever the situation, the right lender.

Whole-of-market access, including lenders only available through brokers.

i.

Residential purchase

First-time buyers and home-movers, with whole-of-market access to find the right lender for your circumstances.

ii.

Remortgage

At the end of a fix, a clear comparison against staying put — shown in pounds and pence, not percentages.

iii.

Product transfers

Where staying with your current lender is the better deal, I’ll tell you, and arrange it.

iv.

Buy-to-let & let-to-buy

Portfolio and first-time landlords, including the lenders and criteria that suit rental property.

v.

Complex income & adverse credit

Self-employed, contractor and less-than-perfect-credit cases, placed with lenders who understand them.

vi.

Joint borrower, sole proprietor

Arrangements that help family help each other onto the ladder, without the tax pitfalls.

ii. · Who this is for

If any of these is you, it’s worth a look.

—First-time buyers with deposits ready
—Anyone coming to the end of a fixed rate
—Self-employed and contractor clients
—Landlords building a portfolio
—Couples whose plans have changed since the last mortgage
—Anyone unsure whether to fix, track or stay put
iii. · My approach

The saving, in pounds and pence.

Whole-of-market — including lenders only available through brokers. Every recommendation is shown against your existing lender’s offer, so you see the saving in pounds and pence.

I don’t push protection alongside the mortgage as a condition. If cover is right for your situation, it’s a separate conversation, handled properly.

The job is the right mortgage, with the right lender, at the right total cost — and an honest answer when staying put is the better call.

— Andrew

iv. · Common questions

Mortgages, in plain English.

It depends on your appetite for certainty and the gap between fixed and variable rates at the time. A fix buys predictable payments; a tracker can be cheaper but moves with rates. I’ll talk you through the trade-off for your situation, not a house view.
Usually at least 5% to 10% of the purchase price, though more deposit generally means a better rate. For buy-to-let, lenders typically want 20% to 25%. I’ll match the deposit you have to the lenders most likely to lend.
Yes. Lenders vary widely in how they treat self-employed and contractor income, so the right lender matters more than ever. Whole-of-market access means placing you with one that understands your accounts.
I’m clear about any fee before you commit, and you’ll always see it alongside the saving. Many cases are arranged with no broker fee to you, paid instead by the lender on completion.
You can, but your bank only offers its own deals. Whole-of-market advice compares those against the rest, including lenders that don’t deal with the public — often for a better result.

This page, and the calculator on it, are general educational information about mortgages. They are not personal advice and do not take account of your individual circumstances. The figures are illustrative and not a quote.

Your home may be repossessed if you do not keep up repayments on your mortgage. The actual rate, payment and total cost depend on the lender, the product and your circumstances.

Andrew Daw is an Appointed Representative of Saltus Wealth Partnership Limited (FCA FRN 449607), trading as Duchy IFA. For UK residents only.

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Begin with a conversation.

A complimentary 30 minutes, by phone, video or in person. We’ll look at where you are, what you’re paying now, and whether a better deal is out there. No obligation, no pitch.

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