Whether you’re a first-time buyer, moving home, remortgaging, investing in property, or looking to protect your family and finances, our experienced advisers can guide you every step of the way.
Book a no-obligation consultation today.
Mortgage advice tailored to you
Every client has different circumstances and goals. We take the time to understand your situation and search through a wide range of lenders to find the most suitable mortgage options available. We can help with:
- First-time buyers
- Taking your first step onto the property ladder can feel overwhelming. We’ll explain the process, secure an Agreement in Principle, and guide you from application to completion.
- Home movers
- If you’re buying your next property, we’ll help you understand your borrowing options and whether you can port your existing mortgage or secure a better deal.
- Remortgages
- When your fixed rate is coming to an end, we’ll review the market and help you find a competitive new deal.
- Buy-to-let mortgages
- Whether you’re a first-time landlord or expanding your portfolio, we provide specialist buy-to-let mortgage advice.
- Self-employed mortgages
- We understand the challenges self-employed applicants can face and work with lenders who consider a wide range of income structures.
- Specialist lending
- We can also assist with adverse credit cases, complex income scenarios, later-life lending, and other specialist requirements.
Why use our mortgage service?
- Access to a wide range of mortgage lenders
- Personal, tailored advice
- Dedicated support from application to completion
- Help with Agreements in Principle
- Regular updates throughout the mortgage process
- Advice for first-time buyers, movers, remortgages, and landlords
- Local experts who understand the property market
Protecting what matters most
Buying a property is not just about securing a mortgage. It’s about protecting your home, your income, and your family’s future. Our advisers can help arrange:
- Life insurance
- Provides a lump sum payment to your loved ones should the worst happen.
- Critical illness cover
- Financial support if you’re diagnosed with a specified serious illness covered by the policy.
- Income protection
- Helps replace part of your income if illness or injury prevents you from working.
- Family income benefit
- Provides ongoing monthly payments to your family during a difficult time.
- Buildings & contents insurance
- Protection for your property and possessions.
- Landlord insurance
- Specialist cover designed for buy-to-let property owners.
What to expect
Initial consultation
We discuss your circumstances, financial position, and property goals.
Mortgage search
We research suitable products from a broad panel of lenders.
Recommendation
We explain your options clearly and provide a mortgage recommendation.
Application support
We manage the process and liaise with the lender, solicitor, and estate agent where needed.
Protection review
We ensure you and your family have appropriate financial protection in place.
Completion
We stay with you until the keys are in your hand.
Best buy mortgage tables
Compare some of the latest mortgage rates available on the market.
Mortgages available from a wide range of well-known providers.
Frequently asked questions
How much can I borrow?
This depends on your income, commitments, credit profile, and lender criteria. We can provide a personalised assessment.
Do I need a large deposit?
Not necessarily. Some lenders offer mortgages with deposits from 5%, subject to criteria.
Can I get a mortgage if I’m self-employed?
Yes. Many lenders cater specifically for self-employed applicants.
Do I need life insurance to get a mortgage?
Life insurance is not normally mandatory, but it is strongly recommended to help protect your family and your home.
Book your mortgage review
Whether you’re buying your first home, moving, remortgaging, or investing in property, our mortgage and protection specialists are here to help.
Call 02476 551919
Email enquiries@alternativeestates.co.uk
Book an appointment Visit Alternative Estates & Financial Services
Mortgage & protection advice you can trust
Helping buyers, homeowners, landlords and families make informed financial decisions with confidence.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Mortgage and protection services are referred to Alternative Estates & Financial Services Ltd.
Your initial mortgage appointment is without obligation. We normally charge a fee for our services; however, it is payable only on completion of your mortgage. The fee will depend on your circumstances but our standard fee is £295. Complex cases usually attract a higher fee. We will discuss and agree the fee with you prior to submitting any mortgage application.
For equity release our usual fee is £895, only payable on completion.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Alternative Estates are an introducer to Alternative Estates & Financial Services Limited. Alternative Estates & Financial Services Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority.
Mortgage and insurance advice is subject to eligibility, lender criteria and regulatory requirements. Fees may be payable. Your adviser will explain any applicable charges before proceeding.
You are under no obligation to use our recommended mortgage or protection adviser. Your decision will not affect the seller’s decision, the acceptance of your offer, or the progress of your purchase.