How We Can Serve You

When it comes to financing or refinancing your properties, you want to make sure you have a professional and experienced Mortgage Broker by your side. With combined mortgage experience of over 40 years between David & Andrew, we can offer the most appropriate service and ability that you need when buying or remortgaging.

We offer our service by telephone, email and webchat so please let us know your preferences when contacting us.

Purchase Mortgages

If you are looking to buy a home either as a first time buyer or someone who has or has had a mortgage before, we are here to help.

For first time buyers, we want to make sure you understand every aspect of the process and have a guide that we can send you on this to explain the various considerations so please ask us for that.

For those looking to move be that by selling or retaining their existing property, we will talk through the affordability and guide you on who else you need to speak to to be able to make an educated decision.

Remortgages

If you need to find a new rate on an existing property be that for the same level of lending or to borrow more, we can help.

We will consider the options available from the current lender and then review against the rest of the market to find the right solution.

For borrowing more money, we will need to know what the additional money will be used for to ensure that this complies with the lender criteria.

We can also help if you wish to obtain a new mortgage with a name being added or removed from the property ownership.

Buy To Let Mortgages

If you are looking to buy a property to rent out, this is the mortgage that will help do that. The amount of mortgage possible is normally linked to the rent the property can generate rather than personal income and the percentage deposit does need to be greater than a residential mortgage. There are lending options for standard tenancies, holiday lets and multiple occupancy homes and this can be in personal names or held through a Limited Company. Speak to us today and we will talk through the various options based on your individual needs.

The Financial Conduct Authority does not regulate some forms of buy-to-let.

Let To Buy Mortgages

If you are looking to move and retain your current residential property which will be rented out on completion, this is the mortgage type for you. This is commonly used for those looking to release the equity for the deposit on the new property. The loan to values are similar to buy to let though so we can speak to you about how much equity you may be able to get based on the anticipated rental figure.

The Financial Conduct Authority does not regulate some forms of buy-to-let.

Spirit Mortgages Limited, trading as Spirit, is an Appointed Representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. Spirit Mortgages Limited is registered in England, number 13301540. The registered office address is 83 Victoria Street, London, SW1H 0HW.

There will be a fee for our residential mortgage service of £499 (£299 for remortgages) which is payable on application. For buy-to-let and let-to-buy our fees are £599 for purchases and £399 for remortgages. We will retain the commission from the lender.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

How We Can Serve You

Purchase Mortgages

Remortgages

Buy To Let Mortgages

Let To Buy Mortgages

There will be a fee for our residential mortgage service of £499 (£299 for remortgages) which is payable on application. For buy-to-let and let-to-buy our fees are £599 for purchases and £399 for remortgages. We will retain the commission from the lender.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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How We Can Serve You

Purchase Mortgages

Remortgages

Buy To Let Mortgages

Let To Buy Mortgages

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There will be a fee for our residential mortgage service of £499 (£299 for remortgages) which is payable on application. For buy-to-let and let-to-buy our fees are £599 for purchases and £399 for remortgages. We will retain the commission from the lender.

​

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

​

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

​

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

​

Data Protection

Cookies

Complaints