Services
Residential Mortgages
A residential mortgage is a loan used to purchase a home you intend to live in. The property acts as security for the loan, and repayments are made monthly over an agreed term.
Interest can be charged at a fixed or variable rate, and the amount you can borrow depends on your income, credit history, and deposit size.
If you fail to keep up repayments, the lender may repossess the property.
Buy-to-let Mortgages
A Buy-to-Let mortgage is a loan used to purchase a property you intend to rent out to tenants, rather than live in yourself.
These mortgages are typically interest-only, meaning you pay just the interest each month and repay the full loan at the end of the term. Lenders assess affordability based on expected rental income, and a larger deposit — often 20–25% — is usually required.
Buy-to-Let mortgages are subject to different tax rules and carry additional risks, including periods without rental income or rising interest rates.
Equity Release
Equity release allows homeowners aged 55 or over to access the value tied up in their home without having to sell it. The most common type is a lifetime mortgage, where you borrow against your property and the loan is repaid when you die or move into long-term care.
You usually don’t make monthly repayments, although some plans allow it.
Interest is added to the loan over time, and it’s important to understand how this affects the value of your estate.
Protection
Protection refers to insurance and these policies can be set up to help cover your mortgage if something unexpected happens — such as death, serious illness, or loss of income.
Common types include:
Life insurance – pays off the mortgage if you die during the term.
Critical illness cover – pays a lump sum if you're diagnosed with a serious condition.
Income protection – provides monthly payments if you're unable to work due to illness or injury.