Mon to Fri, 9am to 5.30pm Croeso · Welcome
Home/Mortgages & Finance/Residential Mortgages
Mortgages & Finance

Residential Mortgages

First homes, moving up and remortgaging, handled from start to finish.

Whole of market mortgage advice from an independent, Chartered team. We compare lenders across the market, handle the paperwork and stay with you through to completion.

Independent Whole of Market Chartered
Residential Mortgages

Mortgage Advice Built Around You

A mortgage is likely to be the largest financial commitment you make, and the right one can save you a considerable amount over its lifetime. Because we are independent and whole of market, we are not tied to any single lender. We compare options across the market and recommend the one that genuinely suits your circumstances.

Whether you are buying your first home, moving to your next or reviewing a deal that is coming to an end, one named adviser looks after you throughout. We explain your options in plain language, deal with the lender on your behalf and keep the process moving through to completion.

Who We Help

  • First-time buyers taking their first step onto the ladder.
  • Home movers arranging the mortgage for their next property.
  • Homeowners remortgaging for a better rate or to release equity.
  • Buyers with less straightforward income, such as the self-employed.

How It Works

We begin with an unhurried conversation to understand your plans and your budget. From there we research the market, present your options clearly and, once you are happy, submit and manage the application through to your mortgage offer. Your first conversation is free and without obligation.

Your home may be repossessed if you do not keep up repayments on your mortgage.
Why Affinity

Why Choose Affinity

Whole of Market

We compare mortgages from across the market, not a limited panel, so the recommendation fits you.

One Adviser, Start to Finish

The same adviser looks after you from the first call through to completion.

First-Time Buyer Friendly

We are used to guiding first-time buyers and explain each step in plain English.

Independent and Chartered

Impartial advice, held to a recognised professional standard.

Good to Know

Residential Mortgage Questions

How much can I borrow?+
It depends on your income, your outgoings and the lender’s criteria. As a general guide, many lenders consider around four to four and a half times income, but we will give you a realistic figure based on your situation.
How large a deposit do I need?+
Most lenders look for at least five to ten per cent of the property price, and a larger deposit usually opens up better rates. We will tell you where you stand and what is realistic for you.
Do you charge a fee?+
Your first conversation is free and without obligation. If you choose to proceed, we confirm any fees clearly and in writing before you commit.
Can you help if I am self-employed?+
Yes. We regularly arrange mortgages for self-employed clients and company directors, and we know which lenders take a sensible view of self-employed income.
Explore More

More in Mortgages & Finance

Get in Touch

Ready to Talk It Through?

Tell us what you are looking for and one of our advisers will come back to you, usually within a working day.

Speak to an Adviser