residential mortgage & remortgages

Moving home? Upsizing or downsizing? Wanting to release equity to do a renovation, or simply get a better rate? Whatever change is on the way for you and your family, our team is here. We work with you to get a full understanding of your circumstances, and use this to find the best residential mortgage for you.

get started

We make getting a mortgage as hassle-free as possible. Simply apply online and we’ll be in touch to discuss the details of your perfect residential mortgage.

apply for a residential mortgage online

residential mortgage & remortgage
application quick guide

gather your documents

Make sure you can get all your personal and financial paperwork together beforehand - it will be key for your mortgage application.

choose your mortgage

There are many options out there for customers looking for the right mortgage. We’ll advise you on the one that will suit you and your family’s needs.

consider the cost

Based on your incomings and outgoings, we can help you calculate what you can spare each month towards mortgage repayments.

agreement in principle

After we’ve helped you find the right residential mortgage and made an application to the lender, we’ll obtain an agreement in principle from them. This means that if you are purchasing a new property you can go house-shopping knowing exactly what you can spend.

find a home

For those looking to buy a new property the search is on! With your budget, location and mortgage locked up, you are ready to find your ideal family home. For remortgage applications, we will work with your solicitor to ensure a seamless transition from one lender to another.

hitting all the right notes…

Seeing a family settle into a new home with a mortgage that suits them and insurance that secures them. It’s what makes The Mortgage Mum team tick.

most common faqs

Do I have to pay stamp duty? How much?

The Government change stamp duty rules quite often and the best way to find out what levels of stamp duty are payable is to use the Government's Stamp duty calculator or speak to one of our advisers today.

How much can I borrow for a residential mortgage?

The big question! We recognise that this is the first thing people want to find out when they come to us. Different providers follow very different criteria, and those criteria are changing all the time, making it a tough answer to determine. That’s why it’s a good idea to contact an experienced and responsible broker like The Mortgage Mum to scan the current market and identify the product that will afford you the maximum spending power in the housing market. Contact one of our experienced, trustworthy advisers and rest assured we will find the best solution for you.

How do lenders calculate how much I can borrow for my residential mortgage?

This varies between providers, but with The Mortgage Mum’s expert knowledge of the mortgage lending market, we can target the providers that will offer you the best deal for your set of circumstances.

your question not answered here? view all faqs

so, let’s get talking!

If there’s anything you’d like to chat about, whether that’s our services, our mortgages or insurance, just get in touch…