No two clients are the same, and neither are mortgage solutions.
Online calculators and quick bank decisions only tell part of the story. Many people assume they won’t qualify, won’t be able to borrow enough, or have to accept whatever their current lender offers.
In reality, there are often far more options available when you work with an experienced broker who understands how different lenders assess applications.
I offer an unrestricted range of first charge mortgages (excluding deals only available directly from lenders), allowing me to recommend solutions tailored to your circumstances, not just one bank’s products.
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First Time Buyers
Buying your first home can feel overwhelming when you don’t know where to start.
I’ll help you understand what you can realistically borrow, how much deposit you need, what costs to expect, and how to move forward with confidence, even if online tools have suggested otherwise.
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Remortgaging
Remortgaging isn’t just about finding the lowest rate. It’s an opportunity to review your finances, reduce monthly costs, release funds for improvements, or support future goals.
I’ll help you explore the options that work for your situation.
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Self-Employed
Getting a mortgage when you’re self-employed can feel particularly challenging, especially if you’ve only been trading for a short time.
Different lenders assess income in different ways. I know which lenders to approach and how to present your case to give you the best chance of approval.
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Adverse Credit
Past credit problems don’t automatically mean you can’t get a mortgage.
There may be additional steps involved, but many lenders now take a more flexible approach. I’ll explain what’s possible and help you move forward realistically.
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Buy To Let
Whether you’re purchasing your first investment property or expanding an existing portfolio,
I can help you understand your borrowing options and structure finance appropriately.
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New Build & Shared Ownership
Specialist schemes and new build purchases come with their own criteria and timelines.
I can guide you through the process and ensure everything aligns with lender requirements.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Why Use A Broker Instead Of Going Direct?
Banks can only offer their own products — even if they aren’t the best fit for your circumstances.
As a broker, I have whole of market broker access and handle the application process on your behalf.
This often results in:
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Access to more suitable products
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A smoother application process
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Fewer delays caused by missing information
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Guidance tailored specifically to your situation
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Support if complications arise
Most importantly, you have someone in your corner throughout the process.
Unsure Where You Stand?
Whether you’re ready to move forward or simply want clarity on your options, I’m here to help, simply complete the form below and I’ll be in touch to discuss how I can help.
No jargon. No pressure. Just clear guidance tailored to your situation.
Alternatively you can email madeleine@birtles-mfs.uk
