Reside are on your side.
Your mortgage made simple.
- Fee free
- UK wide mortgage advice
- Search over 90 lenders and 1,000s of mortgages
- Guaranteed to find the best deal
Don’t take our word for it, here’s what our customers are saying about us.
As seen in This is Money
About Us.
Who we are, what we do and where we’ve been.
With a collective 40 years of experience, we prioritise customer service above all else. Our team has worked at renowned, award-winning brokerages such as Habito, L&C, Barclays and Countrywide. We blend technological innovation with human expertise, offering a wealth of experience. Our extensive network allows us to search through over 90 lenders and thousands of mortgage products.
Mortgages made simple.
Your home buying journey with us:
We’re here to steer you through everything as quickly and efficiently as possible.
1
Talk to us
2
Apply
We’ll take you through your options, make a personalised recommendation, show you how you can protect your new asset and once you’re ready we’ll apply for you.
3
Complete
Frequently Asked Questions.
How much can I borrow?
It all depends on your income and how much of a deposit you have, against the property price. Other factors can impact what you can borrow, such as loans, finance agreements, dependents and the term of the mortgage. Very roughly speaking your maximum mortgage amount is usually 4.5x income. Sometimes a bit more, sometimes a bit less. Get in touch and we can confirm that figure.
What documents will I need?
It can vary from lender to lender but as a starting point; proof of income and bank statements. Sometimes we need to go back 3 months and sometimes we’ll need some other bits. It just depends on your individual situation, but we’ll advise on that.
What types of mortgages do you offer?
Do you have access to the whole market?
We used to be able to say ‘yes’, however, nowadays that means we need to be able to offer Equity Release (which we don’t offer) to be labelled a ‘whole of market broker’. We’re not tied to a panel of lenders, we have access to over 77 lenders and even the ones we don’t have access to, we can request access.
What fees will I need to pay?
Buying a house or remortgaging can carry some fees; arrangement fees, Solicitors fees, valuation fees, CHAPS fees, sometimes booking fees and redemption fees. We’ll be able to confirm exactly what’s applicable with the different deals.
What is your fee?
My credit isn’t the best, can you still help?
How long does it take to get a mortgage offer?
This one depends mainly on the lender’s service levels and how quickly they can assess the different parts of the application. It also depends on how quickly you can send over the required documents. The other main variable is the time it takes for a Surveyor to value the property (when required). So if for example you’re buying a property, the lenders’ service levels are set at 2 working days and the Surveyor is around within 2 working days then providing we have all the documents required, we’re looking at less than a week for a mortgage offer!
