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Mortgage Broker in Milton Keynes

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 Milton Keynes?

Whether you’re buying your first home, moving house or looking for a better deal through a remortgage, getting a mortgage can be complicated!

Having the right guidance can help you secure the most suitable mortgage, making your journey smoother and more straightforward.

Our team of experienced mortgage advisors in Milton Keynes are here to support you every step of the way.

Our Customers Rate us 4.9/5

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

It’s never been easier to get mortgage advice in Milton Keynes. You can schedule a date and time for your free mortgage appointment online – making the first step easy and simple!

Our team are available 7 days a week, offering appointments that fit around your work and personal life

Book your free mortgage appointment today and get expert advice tailored to your situation.

Appointments 7 Days a Week

Appointments 7 Days a Week
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Facing a complicated mortgage situation in Milton Keynes?

Not every mortgage application is straightforward. If you have a complex income, previous credit issues, or an unusual type of property, securing a mortgage can feel like a challenge – but there are still options available.

As a mortgage broker in Milton Keynes, we specialise in helping people overcome complex mortgage hurdles. We’ve been helping customers for over 20 years now, we are experts in this field!

Even if you’ve had your application declined by a mortgage lender, it does not mean that you cannot look elsewhere. There may be a specialist product out there for you.

Explore 1000s of Mortgage Options

Explore 1000s of Mortgage Options
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I Want to Buy My First Home in Milton Keynes

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Buying your first home is an exciting step, but with so many mortgage products available, knowing where to start can feel overwhelming. As a first time buyer in Milton Keynes, you’ll need to think about your deposit, mortgage affordability, and the best deals available.

Most lenders require a minimum 5% deposit, but a larger deposit (10-15%) can unlock better interest rates. If you’re self employed or have a variable income, lenders may ask for additional documentation.

Our mortgage advisors in Milton Keynes can help you understand your affordability, secure an agreement in principle and find the most suitable lender.

I’m Looking at Moving Home in Milton Keynes

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If you’re moving to a new home in Milton Keynes, securing the right mortgage is just as important as finding the right property. You may need a larger mortgage if you’re upsizing, or you might be looking for a better deal when downsizing.

If you already have a mortgage, you might be able to port it to your new home, keeping your current deal in place. If porting isn’t an option, applying for a new mortgage may be the better route.

Our mortgage advisors in Milton Keynes will guide you through your options and help you find the most suitable mortgage for your move.

I Want to Remortgage in Milton Keynes

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Remortgaging can help you secure a better rate, lower your monthly payments or release equity. If your fixed-rate deal is ending, switching before your lender moves you to their standard variable rate (SVR) could save you money.

Some homeowners remortgage to borrow additional funds for home improvements, debt consolidation, or other financial goals. Whatever your reason, our mortgage advisors in Milton Keynes can compare 1000s of deals to find the most suitable option for you.

I Want a Buy to Let Mortgage in Milton Keynes

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If you’re looking to invest in property, securing the right buy to let mortgage is crucial. Whether you’re buying your first rental property or adding to an existing portfolio, lenders will assess your rental income and deposit size before offering a deal.

Most buy to let mortgages require a 25% deposit, and some landlords choose to apply through a limited company for tax benefits.

As your mortgage broker in Milton Keynes, we can help you find the most suitable lender for your investment goals.

Exploring Your Mortgage Schemes

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There are several mortgage schemes designed to make homeownership more accessible, whether you’re a first time buyer or looking for an alternative route onto the property ladder.

  • Right to Buy – If you’re a council or housing association tenant, this scheme allows you to purchase your home at a discounted price, helping you transition from renting to owning.
  • Shared Ownership – This scheme enables buyers to purchase a percentage of a property (usually 25-75%) while paying rent on the remaining share. Over time, you can increase your ownership through a process called staircasing.
  • Lifetime ISA – A government-backed savings scheme where first-time buyers can save towards a deposit, with a 25% bonus added to their savings, up to £1,000 per year.

Understanding which schemes you qualify for and how they work can be complex. As a mortgage broker in Milton Keynes, we can help you explore these options and find the most suitable route to homeownership.

I’m Looking for a Bridging Loan in Milton Keynes

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If you need short-term property finance, a bridging loan could be the solution. These loans are commonly used to buy a new property before selling an existing one, purchase an auction property, or fund renovations that a standard mortgage wouldn’t cover.

Bridging loans are typically secured against property and can be arranged quickly, making them ideal for time-sensitive transactions. Our mortgage brokers in Milton Keynes can help you explore the best options available.

I’m Self Employed and Looking for a Mortgage in Milton Keynes

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If you’re self employed, getting a mortgage can sometimes feel more difficult. Lenders assess applications differently, focusing on income stability and trading history rather than a fixed salary.

Most lenders require two years of accounts, but some will consider one year’s trading history if your income is strong.

As your mortgage broker in Milton Keynes, we can help find lenders who understand self-employed income structures and find the most suitable deal for you.

I’m Looking for a Mortgage Over 60 in Milton Keynes

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If you’re over 60 and looking for a mortgage, there are several options to consider. Whether you want to remortgage, release equity, or move to a new home, later-life mortgages can help.

  • Retirement Interest-Only (RIO) Mortgages – You make monthly interest payments, with the loan repaid when you sell the property.
  • Equity Release – Unlock some of the value in your home while continuing to live in it.
  • Lifetime Mortgages – Borrow against your home with the option to make voluntary payments.

A mortgage broker in Milton Keynes like us can help you explore the most suitable later-life mortgage for your needs.

I Want to Know If I Can Get a Mortgage With Bad Credit in Milton Keynes

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If you have a low credit score, missed payments or past defaults, securing a mortgage can feel more difficult – but it’s not impossible. Some lenders offer bad credit mortgages designed for applicants with CCJs, IVAs or bankruptcy history.

A larger deposit (typically 10-15%) may improve your chances, and some lenders will consider your application if your financial situation has improved.

Getting mortgage advice in Milton Keynes can help you find specialist lenders who may accept your circumstances.

Reasons to Choose Us

Mortgage advice in Milton Keynes 7 days a week

Speak to an expert at a time that suits you, including evenings and weekends.

Free mortgage appointment with a mortgage advisor in Milton Keynes

Get expert guidance with no upfront costs.

Paired with a dedicated case manager

Stay updated with one point of contact throughout the process.

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

We search for the best mortgage to suit your needs, not the lender’s.

Responsive, 5 star service

Our clients rate us highly for our efficiency and personalised support.

We search 1000s of mortgages

Access deals from a wide range of lenders, including specialist products.

Over 20 years experience

Our mortgage advisors in Eastbourne have decades of industry knowledge.

Support from start to finish

We’re with you every step of the way, from application to approval.

Answering Common Mortgage FAQs in Milton Keynes

How much deposit do I need for a mortgage in Milton Keynes?

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The deposit amount required depends on your mortgage type, credit history, and lender criteria. For most standard residential mortgages, you’ll likely need at least a 5% deposit, meaning if you’re buying a £250,000 home, you’ll need at least £12,500 saved.

If you’re applying for a bad credit mortgage or are self employed with irregular income, lenders may ask for a larger deposit, typically 10-15%. For buy to let mortgages, a minimum 25% deposit is usually required.

There are also government schemes to help buyers with lower deposits, such as Shared Ownership and the Lifetime ISA, which can boost your savings with a 25% government bonus.

Getting mortgage advice in Milton Keynes can help you find the most suitable mortgage based on your deposit size.

How long does the mortgage process take in Milton Keynes?

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The time frame varies, but most mortgage applications take 2 to 6 weeks to be approved, depending on your lender, financial situation, and property type.

Having all necessary documents ready, such as ID, bank statements, proof of income, and credit history, can help speed up the process.

A mortgage broker in Milton Keynes like us can ensure everything is in place to avoid unnecessary delays.

What’s the minimum credit score needed for a mortgage in Milton Keynes?

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There is no universal minimum credit score for mortgages, as each lender has its own criteria.

Generally, a higher credit score increases your chances of getting a better deal. If you have a lower score, specialist lenders may still offer mortgage options, though you may need a larger deposit and could face higher interest rates.

A mortgage broker in Milton Keynes like us can help find the right lender for your situation.

What types of mortgage rates are available in Milton Keynes?

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When applying for a mortgage, you’ll typically choose between:

  • Fixed-Rate Mortgages – Keeps your monthly payments the same for a set period (usually 2, 3, 5, or 10 years).
  • Tracker Mortgages – Follows the Bank of England’s base rate, meaning payments can go up or down.
  • Discounted Variable Mortgages – Offers a lower rate for a period but can fluctuate over time.
  • Standard Variable Rate (SVR) Mortgages – The lender’s default rate after an initial deal ends, which can change at any time.

Each option has pros and cons, and a mortgage advisor in Milton Keynes can help you determine which works best for your circumstances.

Can I get a mortgage in Milton Keynes with a new job?

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Yes, but it may depend on your employment type and how long you’ve been in the role.

Some lenders require at least three to six months in your current job, while others may accept applications from those who have just started – especially if you’re in the same industry.

If you have a signed employment contract with a confirmed start date, this can also help your application.

A mortgage broker in Milton Keynes like us can help you find lenders who are flexible with new employment situations.

Can I use a gifted deposit for a mortgage in Milton Keynes?

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Yes, many lenders accept gifted deposits from close family members, such as parents or grandparents.

The person gifting the deposit must provide a gifted deposit letter, confirming the funds are a gift, not a loan.

Some lenders have restrictions on who can gift a deposit, so it’s worth checking with a mortgage advisor in Milton Keynes before proceeding.

Can I remortgage my home in Milton Keynes to consolidate debts?

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Yes, remortgaging to consolidate debts is an option, allowing you to combine existing loans, credit cards, or other debts into your mortgage.

This can lower your overall monthly payments, but it’s important to consider the long-term impact, as you’ll be spreading the repayments over the full mortgage term.

A mortgage advisor in Milton Keynes can help you weigh up whether this is the right choice for your financial situation.

Why should I use a mortgage broker in Milton Keynes instead my bank?

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Banks can only offer their own mortgage products, meaning you may not get the best deal available.

A mortgage broker in Milton Keynes searches across multiple lenders, including high-street banks, specialist lenders, and exclusive broker-only deals, giving you access to a wider range of mortgage options.

Additionally, a mortgage broker in Milton Keynes like us handle all the paperwork, negotiate with lenders, and provide tailored advice based on your individual circumstances.

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