Mortgage Advice

A mortgage is the largest financial commitment most people make, and the right one rarely announces itself. The headline rate is only part of the picture. Term length, arrangement fees, early repayment charges, overpayment flexibility, and the way a particular lender reads your income all change what a deal costs you in practice. Lendwise Capital mortgage advice covers residential mortgage advice, remortgaging and investment property, and it starts there rather than at the rate table.

Our job is to work through that detail before you commit, then set out the shortlist in terms you can act on. That is what independent mortgage advice is for, and it is the mortgage advice London and Essex clients receive from us, whether we meet in person or by video.

We start with you,
not the product.

We begin with your position. How you are paid, what you are trying to buy, how long you expect to stay in the property, what else you owe, and how much certainty you want in your monthly budget. Searching for a mortgage adviser is a sensible place to start, and the right one will ask these questions before quoting anything.

Only then do we look at lenders. Criteria vary far more than most people expect, and those variations usually decide the outcome. Two lenders reviewing identical paperwork can reach entirely different conclusions about what you can borrow. Knowing which one will say yes, and why, is most of the work. Whole-of-market comparison is how we find the best mortgage deals UK lenders will actually approve for you, rather than the ones that look cheapest on paper.

Who we help

• First-time buyers working out what is realistically achievable on a first-time buyer mortgage
• Home movers coordinating a sale and a purchase in the same chain
• Homeowners approaching the end of a fixed rate and needing remortgage advice UK lenders will act on
• Self-employed clients, company directors and contractors
• Applicants paid substantially in bonus, commission or day rate
• Landlords buying or refinancing buy-to-let property, with buy-to-let mortgage advice on structure as well as rate
• Applicants with past credit difficulties who have been declined elsewhere

What the process looks like

You receive an honest affordability picture early, so you can search in the right price range from the first viewing rather than the tenth. We arrange an Agreement in Principle to strengthen your position with agents.

From there, we submit the full application and manage it. That means liaising with the lender, the valuer, your solicitor and the estate agent, and telling you where things stand before you have to ask. After completion, we contact you ahead of your rate expiry, so you never move onto a standard variable rate by accident. Clients who want a mortgage broker in Essex, reachable on the phone, will find us there rather than behind a portal.

Costs, stated upfront.

You will know exactly what we charge and how we are paid before you agree to anything. [FEE] Nothing appears later that was not explained at the outset.