Mortgage Services

Find the Right Mortgage for You

Choosing the right mortgage can be a daunting task, but our advisers at 1st Financial Foundations are here to help.

We offer comprehensive mortgage services to help you secure the best deal for your needs, whether you’re a first-time buyer, looking to remortgage, a portfolio landlord or seeking a buy-to-let property. Our expertise extends to high-value mortgages helping company directors, self-employed professional’s and contractors.

Understanding Your Mortgage Needs

Our first step is to understand your specific mortgage needs and financial situation. We take the time to discuss your goals, whether you’re purchasing your first home, moving to a new property, or looking to refinance an existing mortgage. This helps us recommend the most suitable mortgage options for you. As independent financial advisers with access to the whole of the market, we pride ourselves on our friendly and professional approach, ensuring you feel supported every step of the way.

Comparing Mortgage Options

We provide guidance on a wide range of mortgage options, including fixed-rate, variable-rate, and tracker mortgages. Our advisers help you understand the benefits and drawbacks of each type and recommend the best option based on your financial goals and risk tolerance. We also provide information on government schemes, such as Help to Buy and Shared Ownership, to help you get on the property ladder.

Mortgage Pre-Approval

Getting pre-approved for a mortgage can give you a significant advantage when buying a home. Our advisers help you gather the necessary documents and complete the pre-approval process, ensuring that you have a clear understanding of your borrowing capacity. This helps you make informed decisions and negotiate with confidence.

Mortgage Application Support

Applying for a mortgage can be a complex process, but our advisers are here to guide you every step of the way. We assist with completing the mortgage application, gathering required documents, and communicating with lenders on your behalf. Our goal is to streamline the process and ensure a smooth and successful application.

Remortgaging and Refinancing

If you’re looking to remortgage or refinance an existing mortgage, we can help you find a better deal. Our advisers analyse your current mortgage terms and recommend options to lower your interest rate, reduce your monthly payments, or release equity from your property. We help you navigate the refinancing process and secure the best terms for your needs.

First Time Buyer Mortgages

Buying your first home can be overwhelming. We offer clear advice to help you understand your options and secure a mortgage that suits your financial situation. From government schemes to low-deposit options, we’ll guide you through every step.

Moving Home Mortgages

Moving to a new home is an exciting time, but it comes with its own set of challenges. We simplify the process by helping you secure a mortgage that fits your needs, ensuring a smooth transition from your current home to your new one.

High Value Mortgages

For high-value properties, we provide bespoke mortgage solutions that cater to your specific financial circumstances. Our advisers have extensive experience in securing competitive rates for luxury and high-end properties.

Buy-to-Let Mortgages

Investing in rental property can be a lucrative venture, but it requires careful planning and the right financing. Our advisers provide expert guidance on buy-to-let mortgages, helping you understand the requirements and find the best deals. We assist with the application process and ensure that your investment is financially viable.

Self Employed Mortgages

Finding the right mortgage as a self-employed individual can be challenging. We understand the complexities and will help you navigate the mortgage market, providing solutions that consider your unique income structure and financial history.

Portfolio Landlords

For professional landlords, we offer comprehensive advice on securing mortgages that support your business model. From portfolio mortgages to HMO (House in Multiple Occupation) financing, we ensure you get the best terms and rates available.

Bridging Finance

Bridging finance can be an essential tool for those needing short-term funding solutions. Whether it’s for property renovation, purchasing at auction, or managing a property chain, we’ll find the right finance options to bridge the gap.

Ongoing Mortgage Management

Our commitment to you doesn’t end once your mortgage is approved. We provide ongoing support to ensure that your mortgage remains suitable for your needs. This includes regular reviews of your mortgage terms, advice on switching deals, and guidance on managing your repayments. We help you stay on top of your mortgage and make adjustments as needed.

Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances. Buy-to-let mortgages are not regulated by the Financial Conduct Authority and therefore you will not have any rights under the Financial Services Ombudsman or Financial Services Compensation Scheme.

Expert Advice You Can Trust

At 1st Financial Foundations, we are committed to providing you with expert mortgage advice and personalised service. Our advisers have extensive experience in the mortgage industry and are dedicated to helping you find the best mortgage solution for your needs. Trust us to guide you through the mortgage process and secure the best deal for your financial situation.