Mortgage adviser.
The right mortgage makes a move simpler and often less expensive over its lifetime. We can introduce you to a trusted, whole-of-market mortgage adviser who covers both residential purchases and buy-to-let, so you go into your move with your finances settled. We make the introduction; the adviser gives the advice.
An introduction only, with no obligation. H Prestige Estates does not provide mortgage, financial or tax advice.
What a mortgage adviser does.
A good adviser does far more than find a rate. They take the weight of the mortgage off your shoulders, from the first conversation to the day you complete.
Builds a full picture of your income, outgoings and deposit, then tells you what you can realistically borrow and comfortably afford.
Puts an agreement in principle in place, so you can offer with confidence and show a seller you are ready to proceed.
Compares products across a wide range of lenders to find terms that suit your circumstances, not simply the deals on the high street.
Prepares and submits the application, manages the paperwork and liaises with the lender through to a formal mortgage offer.
Keeps the mortgage moving in step with the conveyancing, so the funding is ready and completion is not held up.
Talks through the life, income and buildings cover a lender may expect, so nothing important is overlooked before you commit.
Why whole-of-market helps.
A whole-of-market adviser can look right across the lending landscape rather than a single bank’s shelf. For the homes and the buyers we work with, that breadth matters, and it is why we favour an independent adviser over a tied one.
A whole-of-market adviser is not tied to one bank or a short panel. More products to compare means a better chance of the right fit, and often better terms.
Self-employed income, bonuses, company directors, high-value lending, overseas income or a growing portfolio: the cases the high street struggles with are where good advice earns its place.
Arrangement charges, flexibility, early-repayment terms and how quickly a lender moves all matter. An adviser weighs the full picture, not just the headline number.
Residential and buy-to-let.
The adviser we introduce covers both sides of a purchase, whether you are buying a home to live in or an investment to let.
Buying a home
For your own move, the adviser helps you borrow well and act quickly when the right home appears, then carries the application through to a formal offer. Our buyer calculators give you a working view of monthly payments and the stamp duty on your purchase.
Mortgage and stamp duty calculatorsBuy-to-let and portfolios
For an investment purchase or a growing portfolio, lending is assessed differently, on the rent a property earns as much as your own income. The adviser knows this market well. Our landlord calculators cover rental yield and buy-to-let payments.
Rental yield and buy-to-let calculatorsHow the introduction works.
From a first conversation to completion, here is how a mortgage comes together once we introduce you.
Tell us you would like to speak to an adviser and we make the introduction. There is no obligation, and you are always free to use your own adviser or bank instead.
The adviser reviews your finances in confidence and arranges an agreement in principle, so you know your budget and can move the moment the right home appears.
They compare mortgages across a wide range of lenders and recommend the option that best fits your circumstances, whether that is a home for you or a buy-to-let.
The adviser prepares and submits the application, manages the lender and sees it through to a formal mortgage offer, keeping you informed at each stage.
They keep the mortgage moving alongside your solicitor, so the funds are in place and your purchase completes on time.
An introduction, never a condition.
We offer the introduction because it makes moving simpler, not because it is required to buy or sell with us. You are under no obligation to use the adviser we suggest, and choosing your own adviser or bank makes no difference to your offer, your negotiation or the way we act for you.
Any arrangement you enter into is strictly between you and the adviser. Our role begins and ends with the introduction. Where a referral arrangement is in place and the adviser pays us a fee for the introduction, we will tell you and disclose what we receive, in writing, before you engage them; it makes no difference to the cost of their advice to you.
Start with our calculators.
Before you speak to anyone, our calculators give you a quick, working estimate. They are guides only, and the adviser confirms what you can actually borrow. See our Buyer’s Guide for how mortgages fit into the wider purchase.
For buyers and for landlords. No sign-up, and nothing is saved.
What clients ask us first
Straight answers on how the introduction works and where our role ends.
No. It is an introduction, offered because it makes moving simpler, never a condition of buying or selling with us. You are completely free to use your own adviser or bank, and it makes no difference to how we act for you.
It means the adviser is not tied to a single lender or a short panel. They compare mortgages across a wide range of lenders to find terms that suit your circumstances, which is particularly useful for higher-value lending and less straightforward incomes.
Yes. The adviser covers both residential purchases and buy-to-let, including portfolio landlords. Buy-to-let lending is assessed largely on the rent a property is expected to earn as well as your own position. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Yes. The introduction is entirely separate from your sale or purchase, and any arrangement you enter into is between you and the adviser. Choosing your own adviser does not affect your offer, your negotiation or the way we represent you.
No. We are estate agents, not financial advisers. We make the introduction; the adviser, who is authorised and regulated to do so, gives the advice. Anything on this page is general information, not a recommendation.
Ask us for an introduction and we will connect you with the adviser. If you would like a working estimate first, our calculators cover mortgage payments and stamp duty for buyers, and rental yield and buy-to-let payments for landlords.
Settle the finances, then find the home.
Ask us for an introduction to a whole-of-market mortgage adviser, for a residential purchase or buy-to-let. There is no obligation, and the choice is always yours.
H Prestige Estates does not provide mortgage, financial or tax advice and is not a mortgage adviser. We can introduce you to an independent, whole-of-market mortgage adviser who is authorised and regulated to give that advice. Your home may be repossessed if you do not keep up repayments on a mortgage secured against it. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.