Mortgages
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Find the Right Mortgage Adviser for Your Situation
We connect you with carefully selected, FCA-regulated whole-of-market mortgage advisers who search a minimum of 96 lenders to find the right deal for your circumstances. No advice from us — just the right introduction.
Get connected with a whole-of-market, FCA-regulated adviser — no obligation.
WhatsApp Us Make an Enquiry By submitting your details you agree that your contact information will be passed to a carefully selected, FCA-regulated whole-of-market adviser.What type of mortgage do you need?
Every mortgage situation is different. The right product depends on your circumstances, not just the headline rate. Here's a summary of the main mortgage types the advisers we work with can help with.
| Mortgage Type | Who It's For | Key Considerations |
|---|---|---|
| First-Time Buyer | Buying your first property | Deposit size, scheme eligibility, lender criteria for first-time buyers. |
| Home Mover | Buying a new home while selling your current one | Porting your existing mortgage vs switching lender, bridging the gap between sale and purchase. |
| Remortgage | Switching deal at the end of a fixed term | Early repayment charges, new lender vs product transfer, equity position, term changes. |
| Buy-to-Let | Purchasing a property to rent out | Rental income requirements, deposit (typically 25%), tax implications, portfolio considerations. |
| Self-Employed | Sole traders, contractors, company directors | Number of years' accounts, how income is structured, specialist lenders who understand complex income. |
| Adverse Credit | CCJs, defaults, missed payments, previous bankruptcy | Specialist lenders, deposit requirements, time since adverse event, current credit position. |
| Equity Release | Homeowners aged 55+ releasing value from their property | Lifetime mortgages, impact on inheritance, eligibility, independent legal advice required. |
Why whole-of-market advice matters
Going directly to a bank limits you to their products. The advisers we connect you with search a minimum of 96 lenders to find what actually fits your situation.
Minimum 96 Lenders
The advisers we work with search across a minimum of 96 lenders — from major high street banks to specialist providers you won't find on comparison sites.
Independent Advice
The advisers we introduce you to are not tied to any lender. Their job is to find the right mortgage for your circumstances — not to push a particular product.
Exclusive Products
Some mortgage deals are only available through brokers. Going direct to a lender means you may never see them.
The difference between the right mortgage and the wrong one isn't always the rate. It's the terms, the flexibility, the fees and whether the product actually fits your plans.
Mortgage types explained
First-Time Buyer Mortgages
Getting on the property ladder for the first time involves more decisions than most people expect. How much can you borrow? Which lenders will consider your income and deposit? Are there schemes that could help?
The advisers we connect you with work with first-time buyers regularly and understand the process from start to finish. They'll help you understand your borrowing position, identify the most suitable lenders and guide you through the application.
Whether you have a 5% deposit or 20%, whether you're buying alone or with a partner, whether your income is straightforward or more complex — there's a lender out there for most situations.
Home Mover Mortgages
Moving home involves more mortgage decisions than many people realise. Can you port your existing mortgage to the new property? Would switching to a new lender give you a better deal? What happens if there's a gap between selling and buying?
The adviser we connect you with will review your current mortgage, compare it against the whole market and recommend the most suitable route.
Remortgages
When a fixed or tracker rate ends, many homeowners drift onto their lender's standard variable rate without realising how much more they're paying. Reviewing your options before the deal ends — ideally 3 to 6 months in advance — gives you time to compare properly.
The adviser we connect you with will compare the whole market, including product transfers with your existing lender, to find the most suitable deal for your current circumstances.
Buy-to-Let Mortgages
Buy-to-let mortgages work differently from residential mortgages. Lenders assess rental income, not just your personal income. Deposit requirements are typically higher. And the tax position for landlords has changed significantly in recent years.
The advisers we work with understand the buy-to-let market and have access to lenders who specialise in it — whether you're buying your first investment property or managing a portfolio.
Self-Employed Mortgages
Being self-employed doesn't prevent you from getting a mortgage, but it does mean the process works differently. Lenders want to understand your income — and how they assess it varies significantly from one lender to another.
The advisers we connect you with work with specialist lenders who understand sole traders, contractors, company directors and those with complex income structures.
Adverse Credit Mortgages
Past credit issues — CCJs, defaults, missed payments, IVAs or previous bankruptcy — don't automatically prevent you from getting a mortgage. Specialist lenders exist specifically for people in this situation.
The right outcome depends on the nature of the adverse credit, how long ago it occurred, your current financial position and the deposit available. The adviser we connect you with will assess your situation honestly.
Mortgage Protection
A mortgage is usually the largest financial commitment a household takes on. Mortgage protection ensures the mortgage is covered if the worst happens — whether that's death, serious illness or loss of income.
It isn't compulsory, but for most households with dependants it's worth considering seriously. The advisers we work with can arrange protection alongside your mortgage.
Lenders the advisers we work with can access
The FCA-regulated advisers we introduce you to search a minimum of 96 lenders — from major high street banks to specialist providers not available on comparison sites.
Frequently asked questions
Are you a mortgage broker or adviser?
What happens to my details?
How much can I borrow?
How long does the mortgage process take?
Can I get a mortgage if I'm self-employed?
Can I get a mortgage with bad credit?
When should I start reviewing my remortgage?
Do I need mortgage protection?
Looking for local mortgage advice?
We cover the whole of the UK. If you're based in Essex or East London, our local area guides may also be useful.
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Tell us about your situation and we'll connect you with the right FCA-regulated adviser. No obligation, no pressure, no spam.
By submitting your details you agree that your contact information will be passed to a carefully selected, FCA-regulated whole-of-market adviser.
That's Family Finance is an introducer company and does not provide mortgage advice, recommendations or regulated financial services directly. Our role is to understand your needs and refer you to a carefully selected, FCA-regulated whole-of-market mortgage adviser who will provide advice tailored to your circumstances. By submitting your details, you agree that we may pass your information to the relevant partner adviser. Your information will not be sold or passed to multiple companies. The information on this page is for educational purposes only and does not constitute financial advice.