Services
Mortgage
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OUR PHILOSOPHY

What is a mortgage?

We have been offering Mortgage Advice to the local community for years, but what is a mortgage? Put simply, a mortgage is a large loan you borrow from a bank and use to buy a home, paying the bank back monthly with interest (additional money) and the home itself is used as backup (security) if you don’t pay. Once you pay off the loan, the house is fully yours. That’s it.

How can we help you with that?

Before arranging a mortgage, you’re going to need to know what you can borrow. This will help you know what property value you can afford. You can use a mortgage calculator, or we can help you find this out – just ask!

The deposit you require will depend on the price of the property you’d like to purchase. Sometimes lenders will expect at least 10% of the property value. On occasion, lenders do support first time buyers by offering 5% mortgages.

The more you can put down as a deposit, the less you will be borrowing. This may lead to lower interest rates and a lower mortgage duration and finally, could also increase your chances of being accepted for a mortgage.

Whether you’re buying alone or with a partner, try setting a monthly saving budget to build up your deposit fund.

Applying for a mortgage in principle involves soft credit checks on you and anyone you’re looking to buy with, as well as looking at your financial position and commitments. 

This isn’t an official mortgage offer, but more an indication of how much the lender may be willing to lend you. After you’ve got an Agreement in Principle, you can start house hunting. Some agents/vendors will want to know if you have a mortgage in principle before viewing a property. 

Your mortgage offer is influenced by your credit. By thoroughly understanding your credit history, we can provide better guidance, increase the chances of mortgage approval, and ultimately help you secure the most suitable mortgage for your financial situation.

The main things that influence your credit score are payment history, credit use, length of credit history, types of credit/loans and whether you have been refused for new credit. Therefore, having a high income won’t automatically result in a better credit score.

Please use this link to visit “Check My File” and view your free credit report.

Try it FREE for 30 days, then £14.99 a month – don’t worry, you can cancel online at any time.

https://www.checkmyfile.partners/

Please be aware that by clicking onto the above link you are leaving the Hello Home Mortgage Advice Centre website. Please note that neither Hello Home Mortgage Advice Centre nor PRIMIS mortgage network are responsible for the accuracy of the information contained within the linked site accessible from this page.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

First‑time buyer advice
Home mover mortgages
Remortgage support
Buy‑to‑let mortgages
Help for non‑UK nationals
Supporting your home plans

Other services we offer:

First‑time buyer advice
Home mover mortgages
Remortgage support
Buy‑to‑let mortgages
Help for non‑UK nationals
Our Process

Lets breakdown the process

01

Speak with us

Send a message, call, or fill in a form and we’ll be in touch within 24 hours.

02

Quick chat about your plans

A short conversation in our office, by phone or video to understand if you’re buying, remortgaging or investing.

03

Gather the basics

We collect key details like income, outgoings, deposit and any credit hiccups – no scary forms.

04

Check what you can afford

We run simple affordability checks and explain what property price and monthly payments fit your budget.

05

Decision in Principle

We approach our panel of lenders to arrange a Mortgage / Decision in Principle based on your situation.

06

Choose the right deal

We talk through the options in plain English – pros, cons, fees and deal length – so you can pick what feels right.

07

Prepare the paperwork

We tell you exactly which documents are needed and help you organise them for a smooth process.

08

Submit the application

We complete and send the application to the lender and chase progress so you don’t have to.

09

Valuation, offer and legal work

The lender values the property and, once happy, issues a formal offer while we liaise with your solicitor on the legal bits.

10

Completion and aftercare

Your mortgage completes, you get the keys or remortgage funds, and we remain on hand for any questions or future reviews.

Free Consultation
Testimonials

See What Our Clients Are Saying

Read All Reviews
4.9
Google reviews

“Lewis made sure to explain every step in detail and answer all my questions with patience and clarity, he was always available for me if I had any burning questions. In addition to the mortgage services, Lewis also advised me on important protection products. I was completely new to this and I had never come across any type of life insurances before. Lewis recommended tailored solutions to ensure that my children and I were covered and to my budget. .”

Emma
(July 2024)

“I had the pleasure of working with Mr. Lewis Neale for my mortgage and protection planning for my first-ever mortgage application. His expertise and commitment made a significant difference throughout the process, which felt seamless as he handled 99.5% of the work, leaving only 0.5% for me to supply the necessary documents..”

Thomas
(July 2024)

“Lewis took the time to understand my unique financial situation and future goals. He provided personalized advice that helped me feel confident and informed throughout the process. Lewis made sure to explain every step in detail and answer all of my questions with patience and clarity..”

Abu
(July 2024)

“Thanks to Lewis, I now have a protection plan that aligns with my needs and provides security for the future. I wholeheartedly recommend their services to anyone seeking expert advice and outstanding support in navigating the complexities of mortgages and protection planning.”

Leigh-Anne
(August 2024)

Advantages of using a Mortgage Advisor

Access to more mortgage deals

Advisors often have access to exclusive products and whole-of-market lenders that aren’t available directly to the public or on comparison sites.

Expert guidance through a complex process

Mortgages involve rates, terms, fees, affordability rules, and lender criteria — an advisor translates this complexity into clear, informed choices.

Tailored advice, not one-size-fits-all

Advisors assess your income, credit history, deposit, future plans, and risk tolerance to recommend mortgages suited specifically to you.

Higher chance of approval

Advisors understand lender criteria and match you with lenders most likely to accept your application, reducing rejections and credit score impact.

Saves time and stress

They handle research, paperwork, lender communication, and follow-ups — freeing you from hours of admin and uncertainty.

Support for complex or non-standard situations

Ideal for self-employed applicants, contractors, multiple incomes, poor credit history, first-time buyers, or unusual properties.

Help securing better interest rates and lower costs

Advisors consider the full cost of a mortgage — not just the rate — including fees, incentives, and long-term affordability.

Ongoing support beyond the initial mortgage

Many advisors provide remortgaging reviews, rate monitoring, and advice when your circumstances change.

Clear explanation of risks and obligations

Advisors ensure you understand repayment terms, early repayment charges, and potential rate changes before committing.

Assistance with paperwork and lender requirements

From document preparation to submission, advisors reduce delays and errors that can derail applications.

Guidance through the entire property journey

Advisors often liaise with solicitors, estate agents, and insurers to keep the process moving smoothly.

Regulated and accountable advice

Mortgage advisors are FCA-regulated, meaning advice must be suitable, transparent, and in the client’s best interest.

Support for first-time buyers

Step-by-step guidance, government scheme advice, and reassurance for buyers navigating the process for the first time.

Protection advice alongside mortgages

Advisors can highlight relevant insurance options such as life cover, income protection, and critical illness cover.

Peace of mind

Knowing a qualified professional is managing one of the biggest financial decisions of your life provides confidence and security.
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Get in Touch

Have a question or feedback?
Fill out the form below, and we’ll respond promptly!

Call us at 07449 909641 or fill out our form, and we’ll contact you within one business day.