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Mortgage Broker in High Wycombe

Let us guide you through the entire mortgage process. We can help with:

  • Working out what you could borrow
  • Securing your AIP within 24 hours
  • Finding you the most suitable mortgage
  • Navigating complicated scenarios

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Looking for expert mortgage advice in High Wycombe?

Choosing the right mortgage can feel overwhelming, but as experienced mortgage advisors in High Wycombe, we’re here to make the process more straightforward.

Whether you’re buying your first home, moving to a new property, investing in buy to let, or looking to remortgage, the right advice can make a big difference.

We take the time to understand your individual circumstances, which is key to finding a mortgage that suits your needs.

With access to thousands of mortgage products, our tailored approach helps you feel confident in securing a deal that fits your financial situation, making the journey towards homeownership or property investment as smooth as possible.

Our Customers Rate us 4.9/5

Our Customers Rate us 4.9/5
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Speak With a Mortgage Advisor in High Wycombe- It's Free!

Getting professional mortgage advice in High Wycombe has never been easier. We offer flexible appointments seven days a week, including daytime, evening, and weekend options, so you can speak with us at a time that suits your schedule.

As dedicated mortgage brokers, we’ll provide insights tailored to your financial situation. By reviewing thousands of mortgage products, we can help you identify the most suitable options based on your circumstances and future plans.

Booking an appointment with us is a great first step towards securing a mortgage that works for you.

Appointments 7 Days a Week

Appointments 7 Days a Week
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Facing a complicated mortgage situation in High Wycombe?

Securing a mortgage isn’t always straightforward, especially if you’re self-employed, purchasing a non-standard property, or have faced credit challenges in the past.

As a mortgage broker in High Wycombe, we can help you find lenders and products that are suited to your unique situation, whether you’re a first-time buyer with a limited income history or a homeowner looking for a specialist mortgage.

With experience in handling complex cases, our mortgage advisors will guide you through the process, ensuring you have access to options that fit your needs.

Exploring tailored solutions with us can make all the difference in securing the right mortgage.

Explore 1000s of Mortgage Options

Explore 1000s of Mortgage Options
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I Want Buy My First Home in High Wycombe

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Buying a home as a first time buyer is an exciting experience, but it’s natural to feel unsure about where to begin. Understanding affordability, saving for a deposit, and navigating the mortgage process can all seem challenging at first.

This is where working with an experienced mortgage broker in High Wycombe can provide clarity and reassurance. Most lenders require a minimum deposit of 5% of the property value, though contributing a larger amount could open up access to more competitive mortgage deals.

If you are self employed, lenders may request at least two years of accounts to confirm income stability. Alternative options may be available for those with shorter trading histories.

As a mortgage broker in High Wycombe, we’ll help you assess your borrowing potential, secure an agreement in principle, and guide you through every stage of the process. We’re here to ensure you feel well-prepared and confident when it’s time to make an offer on your first home.

I'm Looking at Moving Home in High Wycombe

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Moving home presents several important decisions, particularly when it comes to your mortgage. Whether you are upgrading to a larger property, downsizing, or relocating, choosing the right mortgage deal can have a significant impact on your financial future.

Some mortgages allow you to transfer your existing deal to a new property, potentially avoiding early repayment charges. If this is not an option, finding a new mortgage that suits your needs is essential. Lenders will assess factors such as your income, deposit, and credit history when determining affordability.

As a mortgage broker in High Wycombe, we make the mortgage process simpler by helping you find the most suitable solution based on your individual circumstances.

I Want to Remortgage in High Wycombe

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Remortgaging can be a beneficial way to secure a better deal, release equity, or adjust your mortgage to fit your current financial needs. If your fixed-rate period is ending, moving onto your lender’s standard variable rate could lead to higher monthly repayments.

Taking proactive steps to explore remortgage options can help keep costs manageable. A remortgage may also provide an opportunity to release funds for home improvements, debt consolidation, or other financial goals.

Lenders consider factors like your income, credit history, and overall affordability when assessing your application. By seeking expert mortgage advice in High Wycombe, we can help you compare deals and find the right option for your situation.

 

I Am Looking For a Buy to Let Mortgage in High Wycombe

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Investing in property can be an excellent way to generate income, but securing the right buy to let mortgage is essential to making it a worthwhile investment. Whether you are purchasing your first rental property or expanding your portfolio, understanding the mortgage options available is key.

Lenders typically require a 25% deposit for buy to let mortgages, though some may accept less depending on the circumstances. Your expected rental income, personal financial position, and experience as a landlord will all play a role in securing the right deal.

If you already own rental properties, remortgaging can be a smart way to secure a better rate or release funds for further investments. As a mortgage broker in High Wycombe, we’ll help you explore the available options to support your property investment plans.

I Want to Learn About the Different Mortgage Schemes

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A range of government-backed mortgage schemes are available to help make homeownership more affordable, whether you are a first time buyer or looking to move home.

  • Right to Buy: This scheme provides an opportunity for eligible council or housing association tenants to purchase their property at a discounted price.
  • Shared Ownership: A scheme that allows buyers to purchase a share of a property and pay rent on the remainder, with the option to increase ownership over time.
  • Lifetime ISA: Designed to help first-time buyers save towards a deposit with a government bonus added to their savings.

It can be challenging to work out which schemes you’re eligible for, but we’re here to guide you through the options and help you find the route that’s most suitable for you.

I'm Self Employed and Are Looking For a Mortgage in High Wycombe

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Securing a mortgage when you are self employed can feel more complicated, as lenders may assess your income differently from traditional employees. Most lenders prefer to see at least two years of accounts or tax returns, though there may still be options for those with a shorter trading history.

If you operate through a limited company, lenders might also consider retained profits and dividends. Working with an experienced mortgage broker in High Wycombe like us can help identify lenders who understand self employed income structures and offer the most suitable deals.

I'm Looking For a Mortgage Over 55 in High Wycombe

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Getting a mortgage after 55 is more common than many realise. Whether you want to remortgage, release equity, or purchase a new property, there are options designed to suit later life borrowers.

  • Retirement Interest Only (RIO) Mortgages: With these mortgages, you pay interest only each month, with the loan repaid when the property is sold, you move into long-term care, or pass away.
  • Equity Release: This allows homeowners aged 55 or over to unlock some of their property’s value without the need to sell. Funds can be taken as a lump sum or smaller amounts over time.
  • Lifetime Mortgages: A specific type of equity release where you borrow against your home while retaining ownership. Some plans even allow optional repayments to manage the balance.

Choosing the right later life mortgage requires careful consideration of your long-term plans. As a mortgage broker in High Wycombe, we’ll help you explore the available options and find a solution that fits your needs.

I Want to Know If I Can Get a Mortgage With Bad Credit in High Wycombe

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Having a less-than-perfect credit history, including missed payments or CCJs, does not mean you cannot secure a mortgage. Specialist lenders offer products designed for applicants with adverse credit, and speaking to a mortgage broker in High Wycombe can help you find a suitable deal.

Lenders will assess the severity of your credit issues, along with other factors such as income and deposit size. While a larger deposit may improve your chances, there are still opportunities available even with a smaller deposit.

If you’ve been turned down elsewhere, working with an experienced mortgage advisor from our team can open doors to lenders who understand your unique circumstances and offer more tailored solutions.

I'm Looking For a Bridging Loan in High Wycombe

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Bridging loans are short-term finance solutions designed to bridge the gap between buying a new property and selling an existing one.

These loans are commonly used to secure auction properties, fund renovations, or cover temporary financial gaps that traditional mortgages may not accommodate.

When applying for a bridging loan, lenders will review your loan amount, exit strategy, and financial situation.

Bridging loans can often be arranged quickly, making them ideal for time-sensitive transactions. As a mortgage broker in High Wycombe, we’ll help you navigate the available options and secure the right solution for your needs.

8 Reasons to Choose Us

Mortgage advice in High Wycombe 7 days a week

Our expert mortgage advisors in High Wycombe are available every day, including weekends, so you can get the advice you need at a time that suits you.

Free mortgage appointment with a mortgage advisor in High Wycombe

Book a no-obligation mortgage appointment and receive expert guidance without any upfront costs.

Paired with a dedicated case manager

From application to approval, your personal case manager will keep everything on track and provide regular updates.

We're on your side, we work for you!

Unlike banks and lenders, we work solely in your best interests to find the most suitable mortgage for your needs.

Responsive, 5 star service

We pride ourselves on delivering fast, friendly service, backed by excellent customer reviews and ratings.

We search 1000s of mortgages

With access to a vast range of lenders, we compare thousands of mortgage products to find the right deal for you.

Over 20 years experience

Our mortgage experts have decades of industry knowledge, helping customers across High Wycombe secure the right mortgage.

Support from start to finish

Whether you’re a first time buyer, remortgaging or moving home, we’ll be with you every step of the way.

Answering Common Mortgage FAQs in High Wycombe

How much can I borrow for a mortgage in High Wycombe?

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The amount you can borrow for a mortgage depends on factors such as your income, outgoings, credit history, and deposit size.

Most lenders offer between 4 to 4.5 times your annual income, although this can vary depending on your circumstances.

For self-employed applicants, lenders may use average earnings over two years or the most recent year’s figures to calculate affordability.

As a mortgage broker in High Wycombe, we can help you understand your borrowing potential and secure a mortgage deal that suits your needs.

What deposit do I need to buy a home in High Wycombe?

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Most lenders require a minimum deposit of 5%, but contributing a larger deposit, typically 10% or more, can help secure better interest rates.

For self-employed applicants or those with bad credit, lenders may ask for a larger deposit, often between 10% and 15%.

If you’re considering options like shared ownership or using a gifted deposit, speaking with us as your mortgage advisor in High Wycombe can provide the clarity you need to make informed choices.

Can I get a mortgage in High Wycombe if I’m self employed?

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Self-employed applicants face additional scrutiny when applying for a mortgage, as lenders may require two years of accounts or SA302s to verify income.

For sole traders, limited company directors, or contractors, navigating these requirements can be challenging.

Certain lenders may accept just one year of trading history or take dividends and retained profits into account when assessing affordability.

By working with an experienced mortgage broker in High Wycombe, you’ll have access to lenders who specialise in self employed income structures, making it easier to find a mortgage that fits your circumstances.

How does remortgaging work, and when should I do it?

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Remortgaging is an opportunity to secure a better rate, release equity, or consolidate debt.

If your fixed-rate mortgage is coming to an end, switching to a new deal before moving onto your lender’s standard variable rate could save you money.

Lenders will assess your current income, credit history, and affordability before offering a new deal.

As a mortgage broker in High Wycombe, we’ll help you compare remortgage products to find the option that best suits your financial situation.

What mortgage options are available for first time buyers in High Wycombe?

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First-time buyers can access mortgages with deposits as low as 5%. Government schemes like Shared Ownership and the Lifetime ISA can make buying your first home more affordable.

Special mortgage deals for first-time buyers often include lower rates or cash back incentives.

Speaking with us as your mortgage advisor in High Wycombe can help you navigate a range of opportunities and find the right solution for your needs.

Can I get a mortgage in High Wycombe with bad credit?

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If you have a history of missed payments, defaults, or CCJs, securing a mortgage may feel challenging, but it is not impossible.

Specialist lenders offer bad credit mortgages designed to accommodate a range of circumstances.

A larger deposit, often 10–15%, may improve your chances of approval.

With the right support, we can help you explore your options and connect you with lenders offering products that meet your specific requirements.

How do buy to let mortgages work for landlords?

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Buy to let mortgages are tailored for property investors looking to generate rental income.

Lenders will typically assess expected rental income alongside personal finances and often require a 25% deposit.

Limited company buy to let mortgages are also available, offering potential tax benefits.

By working with us as your mortgage broker in High Wycombe, you can identify mortgage products that align with your property investment strategy.

 

Why should I use a mortgage broker in High Wycombe instead of going to a bank?

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As a mortgage broker in High Wycombe, we have access to a wide range of lenders, including specialists who cater to self-employed applicants, buy to let investors, and those with adverse credit histories.

A bank can only access their in-house mortgage products, which limits their ability to search the market like we can. Our team will search through 1000s of mortgages to make sure that you get the best product based on your personal and financial situation.

We Search 1000s of Mortgages in High Wycombe

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