Mortgage Advice
Mortgage advice for every situation.
We're whole-of-market, which means we search 100+ lenders to find the mortgage that's right for you - not whoever pays the highest commission. Whatever your situation, we've seen it before.
Book a free appointmentYour first home, made simple.
First-Time Buyers
Buying your first property is one of life's biggest moments - and the mortgage process shouldn't be the part that ruins it. We start by finding out exactly what you can borrow and what your monthly payments would look like, then we secure the best available rate from our panel of 100+ lenders. You'll have a dedicated adviser with you from Agreement in Principle to keys in hand.
- Free initial consultation, no upfront costs
- Help with government schemes (Shared Ownership, First Homes)
- Explain every document in plain English
- Liaise with estate agents and solicitors on your behalf
Your next chapter, handled.
Home Movers
Moving home involves more moving parts than it should - chains, valuations, new mortgage products, and the question of whether to port your existing deal or start fresh. We cut through the complexity. We'll assess your options, run the numbers, and find the most cost-effective solution for your move, whether you're upsizing, downsizing, or relocating.
- Porting vs. new mortgage analysis
- Early repayment charge calculations
- Whole-of-market rate search
- Coordination with your solicitor
Don't let your rate drift. Lock in something better.
Remortgages
When your initial deal ends, you'll roll onto your lender's standard variable rate - often far higher than you need to pay. We review your position well before your deal expires, compare hundreds of products across the market, and switch you onto the best available rate with minimal fuss. Many remortgages complete without a property valuation, making the process faster and simpler than you might expect.
- Rate review 6 months before your deal expires
- No upfront fee - our fee is payable on formal offer
- Capital raising for home improvements or debt consolidation
- Switch lender or stay and renegotiate - we advise which
Smart finance for serious investors.
Buy-to-Let Investors
The buy-to-let market has never been more complex - stress tests, portfolio landlord rules, limited company structures, and ever-changing lending criteria. Whether this is your first investment property or you're expanding a portfolio, we navigate all of it. We work with specialist BTL lenders who aren't available on the high street, and we understand the tax and structuring questions that come with property investment.
- Personal and limited company (SPV) BTL mortgages
- Portfolio landlord specialists
- HMO and multi-unit freehold block finance
- Holiday let and Airbnb mortgages
Fast, flexible finance when timing matters.
Bridging Finance
Bridging loans fill the gap when speed is everything - auction purchases, chain breaks, refurbishment projects, or buying before you sell. We work with specialist bridging lenders to secure short-term finance quickly, with clear exit strategies built in from day one. Bridging is a powerful tool when used correctly; we make sure you understand the costs and risks before proceeding.
- Completions in as little as 5–10 working days
- Auction finance available
- Regulated and unregulated bridging
- Refurbishment and development exit bridging
Finance for the business of property.
Commercial Mortgages
Commercial mortgages work very differently to residential lending - rental yields, covenant strength, lease terms, and lender appetite all affect what's available. We work with commercial lenders across the market to find the right solution for owner-occupiers purchasing their business premises, and investors acquiring commercial property for rental income.
- Owner-occupier and investment commercial mortgages
- Semi-commercial (mixed-use) properties
- Offices, retail, industrial, and hospitality
- Whole-of-market access including specialist lenders
"This is the best part - working out how to make it happen."
Hannie, Founder & CEO
Calculators
Run the numbers
Get a rough sense of what's possible. Then let us find you the real thing.
Borrowing Calculator
Estimate how much you could borrow based on income.
You could borrow up to (4.5×)
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Estimate only - actual lending depends on your individual circumstances, credit history, outgoings, and the lender's affordability assessment. Speak to us for a proper Agreement in Principle.
Monthly Repayment Calculator
See what your monthly payments could look like.
Mortgage type
Monthly payment
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Estimate only - actual rates and payments depend on your credit profile, deposit, and the lender's assessment. Rates change daily. Speak to us for an accurate quote.
Know your credit position before you apply
We recommend checking your credit report with CheckMyFile before we submit any applications - it lets us spot any issues early and choose the right lender for your situation from the start.
Try free for 7 days, then £14.99/month. Cancel anytime. This is an affiliate link - Hannie & Co Financial may receive a referral fee, at no extra cost to you.