Mortgages
Expert Mortgage Advice Across the UK
Whatever stage you're at, buying your first home, moving up, remortgaging, or investing in a buy-to-let, M&C Financial Services searches the whole market to find the right deal for your circumstances.
The lowest mortgage rate isn’t always the best deal
It's tempting to just look at the headline interest rate, but that's rarely the full picture. Product fees, valuation costs, legal fees and early repayment charges can all add up, sometimes enough to make a slightly higher rate the cheaper option overall once everything's accounted for.
We compare the true cost of each deal over the period you're likely to keep it, not just the rate on the label, so the recommendation you get is based on what you'll actually pay, not what looks best at a glance.
Mortgages for first-time buyers
Buying your first home is exciting, but the process can feel overwhelming when you're not sure where to start. We'll walk you through how much you might be able to borrow, what deposit you'll need, and which schemes could help, including Help to Buy alternatives and guarantor or family-assisted options where relevant.
We'll also explain how your credit history, income and outgoings affect what lenders will offer, so there are no surprises later in the process. Once we've found the right deal, we stay with you through valuation, offer and completion.
- Understanding how much you can borrow
- Deposit requirements and what counts as acceptable deposit sources
- First-time buyer schemes you may be eligible for
- Getting a mortgage in principle to strengthen your offer
What we'll help you with:
Moving home and need a new mortgage?
Moving to a new property, whether you're upsizing, downsizing or relocating to a different part of the UK, brings its own set of mortgage decisions. We'll look at whether porting your existing mortgage makes sense, compare that against remortgaging entirely, and help you understand how any change in loan size or term affects your monthly payments.
If you're selling and buying at the same time, we'll help you think through timing, so your new mortgage is ready to complete when you need it to.
- Porting your current mortgage vs. starting fresh
- Understanding affordability on your new property
- Timing your mortgage offer around your sale
- Finding competitive rates for your next move
What we'll help you with:
Need help remortgaging?
If your current deal is coming to an end, or you're on your lender's standard variable rate, you could be paying more than you need to. We'll compare your existing mortgage against what's available across the whole market, checking whether switching, or negotiating with your current lender, gets you the better outcome once fees are factored in.
Remortgaging can also be a way to release equity for home improvements, consolidate borrowing, or simply lock in a more predictable rate. We'll talk through what makes sense for your situation before recommending anything.
- Checking whether you're on the best available rate
- Releasing equity for renovations or other plans
- Understanding early repayment charges before you switch
- Timing your remortgage to avoid moving onto a lender's standard rate
What we'll help you with:
Mortgages for Buy-to-let properties
Buy-to-let mortgages work differently to residential ones, lenders look closely at expected rental income, your existing portfolio if you have one, and your plans for the property. Whether this is your first rental purchase or you're expanding a portfolio, we'll help you understand what you can borrow and which lenders are the right fit.
We can also advise on let-to-buy if you're planning to rent out your current home while buying somewhere new, and on buy-to-let mortgages purchased through a limited company, alongside the tax and structuring questions worth raising with your accountant before you commit.
- Understanding rental income requirements
- Portfolio landlord vs. first-time landlord criteria
- Let-to-buy if you're renting out your current home
- Buy-to-let mortgages for limited company purchases
- Comparing buy-to-let rates across the market
What we'll help you with:
What might your monthly repayments look like?
Estimated monthly repayment
£1,389.35
Illustrative only, not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
How our mortgage search works
Tell us your goals
A short conversation about your circumstances, budget and plans.
We search the market
Thousands of products compared against your exact criteria.
You get a clear recommendation
One option explained properly, not a stack of confusing paperwork.
Ready to compare mortgage deals?
Whether you're remortgaging, moving home, buying your first place or looking at buy to let, we'll compare thousands of mortgages to find exactly what you're after.
Contact Us