Residential mortgage advice

Complete peace of mind with our knowledgeable & trustworthy mortgage advice

Whatever your mortgage needs, I am here to help and guide you every step of the way, helping to make your dream of home ownership a reality.

Buying your first home, known in the industry as being a first time buyer, is exciting, but may also feel scary and daunting. However, I specialise in helping first time buyers and I’m here to help you take those first steps onto the property ladder with ease and simplicity. Bubbletree Mortgages will guide you through the mortgage process, explaining mortgage terminology, such as Loan to Value (LTV) and affordability, and identifying the best mortgage products and lenders available to you.

There are many reasons that may lead you to move home. What might be an exciting time for some, can be a difficult and stressful time for others. Whether you are moving to a larger property, downsizing, or moving due to divorce or separation, I will take time to listen to your situation and be there to help you every step of the way. I will talk you through the various options available to find the right mortgage for you and your new home.

Reviewing your current mortgage deal is such an important part of your financial life. You should look at the remortgaging options available to you for many reasons, whether it’s because your current mortgage deal is expiring, or you are already on your lender’s Standard Variable Rate (SVR). You might be looking to raise capital for home improvements or debt consolidation. Whatever your reason, I am ready to work hard for you, completing paperwork, liaising with the lenders, ensuring you are on the most appropriate mortgage for your circumstances.

You may find it tricky getting a mortgage if in the past you have had problems with credit. Adverse credit can happen for all sorts of reasons: CCJs, defaults, arrears, debt management plans, IVAs or bankruptcy. I’m here to listen, not judge, and work towards finding a solution for your mortgage needs.

If buying a home seems like a distant dream, or you only have a small deposit, then shared ownership may be a route onto the property ladder. With shared ownership, you buy a share of a property and pay rent on the remainder. As you are buying a smaller share of a house, rather than buying the entire property, you do not need such a big deposit, thus making home ownership achievable and no longer that distant dream. Please go to my FAQs for further information.

If you would love to own a brand-new home, but are struggling to get a larger deposit together, then the Government’s Help to Buy Equity Loan Scheme may be of help to you. It is for both first time buyers and purchasers of newly-built homes (although this is set to change in 2021 to FTBs only). You cannot use the scheme to buy a second home or to use as a buy-to-let property. You will need to put down a 5% deposit and the Government will lend you 20% or up to 40% in London.

If you have been a public sector tenant  (in a council, government department or housing association property) for at least 3 years, you may be eligible to buy your home from the council at a discount of up to £84,200, or £112,300 in London. To be considered for a Right to Buy mortgage you will need to have your Right to Buy document, which confirms your eligibility and confirmation of your discount.

Have you been inspired by the many television programmes where people build their own homes? Whether your dream is a Scandinavian-style retreat, a German kit house, or if an energy-efficient timber-clad house is your vision, I will guide you through the mortgage process and help turn your self-build dream into a reality. See more about self-build mortgages in my FAQs.

Not everyone’s situation will be straightforward. Changes in your circumstances or plans may mean you need the help of specialist finance. Specialist lending can cover many evolving areas such as bridging finance, development finance, commercial lending and equity release. By working with specialist lenders, I can offer introductions for services such as equity release, lifetime mortgages and second charge borrowing*, helping to alleviate any stress and let you concentrate on the important issues.

*You will need to take legal advice before releasing equity from your home as lifetime mortgages and home reversion plans are not right for everyone.

Whether you are a first time landlord, an experienced landlord, a limited company or are looking to purchase an HMO, I will guide and advise you on the most suitable and appropriate mortgage for your needs. Dealing with situations that can be quirky or not so quirky, I am here to guide you every step of the way. Having access to an array of lenders, who will look at a multitude of situations, from no minimum income to no maximum number of properties, I am ready to help you with ease and efficiency.

*not all buy-to-let mortgages are regulated by the Financial Conduct Authority

Your home/property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

*You will need to take legal advice before releasing equity from your home as lifetime mortgages and home reversion plans are not right for everyone. This is a referral service.

The Trusted Mortgage Company Ltd is a credit broker, not a lender.