UK Mortgages
UK Finance forecasts gross mortgage lending will rise to £300 billion in 2026, with 1.8 million fixed-rate deals coming to an end this year alone – a genuinely significant number of homeowners and landlords who’ll need to make a fresh borrowing decision in the months ahead. Alongside our specialist expat mortgage service, established since 2008, we arrange the full range of UK mortgage and finance products for homeowners, landlords, and investors based here in the UK.
Residential Mortgages
From first-time buyers taking their first step onto the ladder through to home movers, remortgaging, and family-assisted purchases, our UK Residential Mortgages hub covers the standard purchase journey alongside more specific scenarios like guarantor mortgages, gifted deposits, let to buy, and second homes.
Buy-to-Let, Portfolio, and Specialist Finance
Whether you’re letting your first property or managing a growing portfolio, our UK Specialist Finance hub covers self-employed and company director income, adverse credit, HMOs, MUFBs, portfolio landlord lending once you reach four or more mortgaged properties, and a wide range of unusual property types from listed buildings to rural land.
Commercial Finance
Buying premises to trade from, or investing in commercial property to let, our UK Commercial Finance hub covers occupier and investment mortgages across every major property type – offices, retail, industrial and warehouse space, pubs, petrol stations, and several other specialist sectors.
Bridging Finance
For auction purchases, chain-breaks, and any other genuinely time-sensitive transaction, our UK Bridging Finance hub covers short-term finance that can complete in a fraction of the time a standard mortgage takes.
Development Finance
From senior debt through to mezzanine finance and development exit loans, our UK Development Finance hub covers funding a project’s full capital stack, whether you’re an experienced developer or taking on your first scheme.
Why Now Is a Genuinely Important Moment for Many Borrowers
With 1.8 million fixed-rate deals ending in 2026, and many of those homeowners rolling off rates fixed at 1.5-2.5% into a market currently averaging 5.5-5.8%, reviewing your options well before your current deal ends matters more this year than in most. Whether that means a straightforward remortgage, a product transfer, or exploring whether your circumstances now qualify you for meaningfully better terms, it’s worth having this conversation early rather than drifting onto a lender’s standard variable rate by default.
Not Sure Which Category Applies to You?
If you’re weighing up several options at once, or simply want a genuinely comprehensive overview before diving into product-specific detail, our UK Mortgage Guides bring each category together in one place, with the full journey explained and links through to every relevant product.
Why Work With an Independent Broker Rather Than a Single Lender
As a fully independent broker, we source from across the whole market – high street banks, challenger lenders, and specialist providers – rather than being tied to a single panel. Given how much rates, criteria, and product availability genuinely vary between lenders, particularly for anything outside the most straightforward applications, comparing properly across the market matters considerably more than accepting whichever deal is presented first.
Based Overseas Rather Than in the UK?
If you’re living abroad rather than in the UK, our Expat Mortgages hub covers the specialist service we’ve provided to overseas-based clients since 2008, including currency income assessment, non-resident lending, and country-specific guidance for many of the locations our clients are based in.
Frequently Asked Questions
Do you only work with UK residents, or can I apply if I’m based overseas?
We work with both – this hub covers our UK-domestic service, while our Expat Mortgages hub covers the specialist service we provide to overseas-based clients.
My situation involves more than one of these categories – can you still help?
Yes, genuinely – many applications span more than one category, such as a self-employed landlord buying a semi-commercial property, and this is exactly the kind of case where working with a broker who covers the whole market matters most.
How do I know which type of mortgage or finance genuinely applies to me?
Our UK Mortgage Guides are a good starting point if you’re not sure, covering each category’s full journey in one place, or get in touch directly and we’ll help you work out the right route.
Is now a good time to review my existing mortgage?
With 1.8 million fixed-rate deals ending in 2026, it’s genuinely worth reviewing your options several months before your current deal ends, rather than waiting until it’s already expired.
Get in touch with details of your circumstances, and we’ll help you find the right UK mortgage or finance solution.
