Our services
Your home may be repossessed if you do not keep up repayments on a mortgage.
The FCA does not regulate some forms of buy to lets.
First time buyers
Flying the nest can be incredibly daunting and it is only natural that you will have countless questions. Here at Mortgage Mates we will guide you every step of the way to make sure you feel equipped and comfortable to take your next big step.
We will start the process by confirming what you are able to borrow, to ensure you can afford the home you are hoping for. From there we will guide you through the whole application process until we secure you the best mortgage rates for your situation.
Moving home
Whether you're upsizing, downsizing or relocating, Mortgage Mates will guide you through every step of your move. We'll begin by assessing your affordability and reviewing your existing mortgage to determine whether transfering your current deal or arranging a new mortgage is the most suitable option. This allows you to understand your borrowing potential and move forward with confidence.
We'll also help you understand the full cost of moving, including any associated fees, so you know exactly what to budget for. Once you've found the right property, we'll support you with your offer strategy before recommending the most suitable mortgage product for your circumstances.
From there, we'll manage the entire mortgage application on your behalf, liaising with lenders, estate agents and solicitors to help keep your purchase progressing smoothly through to completion.
Remortgaging
We believe remortgaging shouldn't be a last-minute rush. We'll proactively manage your mortgage, keeping track of when your current rate is due to expire and contacting you well in advance to begin reviewing your options.
Rather than simply finding you a deal on day one, we'll continually monitor the mortgage market throughout the process to ensure you're securing the most cost-effective product available. If a better rate becomes available before your new mortgage completes, we'll review it and, where appropriate, switch you to the better product.
We'll handle the entire remortgage process from start to finish, providing clear advice, liaising with lenders and solicitors, and keeping everything on track. Our goal is to save you both time and money, giving you confidence that your mortgage continues to work for you, not the other way around.
Buy to let / Investment properties
Whether you're purchasing your first investment property or expanding an existing portfolio, we're here to help you make informed decisions. We'll take the time to understand your investment goals, rental expectations and long-term plans before assessing your borrowing options.
We'll search a wide range of lenders to find the most suitable buy to let mortgage, comparing products to secure a competitive and cost-effective solution for your circumstances. We'll explain your options clearly, helping you understand how different mortgage products can support your investment strategy.
From application through to completion, we'll manage the entire process on your behalf, liaising with lenders, solicitors and any other parties involved to ensure everything progresses as smoothly as possible. With Mortgage Mates by your side, you can focus on growing your property investment while we take care of the mortgage.
Insurance / Protection
A mortgage is one of the biggest financial commitments you'll ever make, so it's important to protect both your home and the people who matter most. We'll take the time to understand your circumstances and recommend protection that's tailored to your needs, giving you peace of mind should the unexpected happen.
Whether it's life insurance, critical illness cover, income protection, family income benefit, or buildings and contents insurance, we'll explain your options in plain English and help you choose the level of cover that's right for you, without paying for protection you don't need.
We'll compare products from a wide range of insurers to find a cost-effective solution and review your cover as your circumstances change, ensuring your protection continues to meet your needs throughout life's milestones.
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There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, this will range from £0 to £250.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Your home may be repossessed if you do not keep up repayments on a mortgage.
The FCA does not regulate some forms of buy to lets.
Mortgage Mates is a trading style of Fairbrass Financial Services Limited and an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
Fairbrass Financial Services Limited are registered in England and Wales. Registered No: 17204550.
Registered Office: Avery House 8 Avery Hill Road, New Eltham, London, United Kingdom, SE9 2BD