Banks and building societies have varying risk tolerances, resulting in each having different lending criteria. This means each lender may excel in specific areas while having limitations in others. As we have access to a wide range of lenders, we aren’t limited to set criteria and can access mortgage products from lenders who specialise in particular circumstances, such as those who offer mortgages to Limited Companies for Buy to Let properties and those who provide mortgages to people with adverse credit. In all cases, lenders will consider your income, credit profile, size of deposit, and disposable income to determine your eligibility and affordability.
Advice on your mortgage options
Understanding the different types of mortgages available is key for home buyers and those looking to remortgage. As an experienced and well-connected mortgage broker, we provide tailored advice and access to a wide range of mortgage rates and options that could save you money.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Contact a James Leighton adviser for a personalised assessment of your options.
Get in touch
Get in touch
Whole of market mortgage advice
Access to a wide range of products
Our Nottingham-based team advises clients across the UK on a variety of residential mortgage products. We cover options including tracker mortgages, variable-rate mortgages, which change with market fluctuations, and fixed-rate mortgages, which offer stable repayments.
We also assist with home mover mortgages, cashback deals, offset mortgages, and Buy to Let mortgages for those with specific needs. If you're looking to remortgage, we can help with switching lenders, product transfers, and further advances to access home equity. Our team of remortgage brokers ensures you get the most suitable available options tailored to your circumstances.
Whatever your situation or the Loan to Value (LTV) ratio, our experienced mortgage advisers are here to guide you every step of the way.
It's crucial to think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Seeking professional advice can help you understand the potential risks and make informed decisions.
Some Buy to Let mortgages are not regulated but the Financial Conduct Authority.
- Call: 0115 870 9520
- Email: [email protected]
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Standard variable and tracker mortgages
These mortgages have interest rates that may change over time, meaning your monthly payments can go up or down.
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Fixed-rate and cashback mortgages
A fixed-rate mortgage locks your interest rate for a set period, providing stable monthly payments. Cashback mortgages offer a cash incentive upon completion and can be either fixed or variable rate.
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Offset and self-build mortgages
An offset mortgage links your savings with your mortgage balance, so you pay interest only on the difference. This can reduce your monthly payments and shorten your mortgage term. A self-build mortgage releases funds in stages to help you finance building your own home.
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Second charge mortgages
Also known as a secured loan, second charge mortgages let you borrow against the equity in your home, often to fund home improvements or other financial needs. Experienced mortgage advisers can provide tailored guidance if you're a self-employed business owner looking to secure additional financing.
Secured loans are on a referral basis.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Repayment mortgage
This is the most common type of mortgage, where each monthly payment covers both the interest and a portion of the capital borrowed.
The right mortgage
Which mortgage suits me?
The most suitable and beneficial mortgage for you can only be determined by assessing a range of personal requirements and preferences, as well as your long-term financial goals. You should consider consulting with a mortgage broker who is neutral and who will search the whole of market for mortgages rather than one who is aligned with certain lenders.
Long-term goals
What about the future?
Choosing a mortgage isn’t just about the here and now; it’s also about your long-term financial future. Our mortgage advisers will consider all of your financial objectives when assessing you for a mortgage, so you can make informed decisions that benefit you and your family for years or even decades to come.
What about risk?
Assess your risk tolerance
Different types of mortgages come with varying degrees of certainty or risk. For example, the monthly repayments of variable rate and tracker mortgages can fluctuate between being cheaper or more expensive over time. Our advisers will assess your mortgage options based on your preferences and risk tolerance.
Right for you
Helping you choose a mortgage suited to your needs
Our trusted mortgage advisers work with clients nationwide and offer bespoke financial advice as standard, recognising the individual requirements needed to match clients to the most suitable mortgage option and lender. Taking a personalised approach to the process ensures clients can make informed decisions and are guided towards the most suitable mortgages for their personal financial circumstances. We begin our personalised service with an in-depth assessment of your finances, situation, preferences and long-term goals. After analysing this information against the current market, we will provide you with the right information, take the time to discuss this with you, and allow you to ask any questions you may have. This means you can make a decision that benefits you. We'll support you throughout the process and ensure you avoid making costly mistakes. We are not aligned with any lender and will always consider mortgage options from the whole of the market to find you the most suitable mortgage option.
- Call: 0115 870 9520
- Email: [email protected]
FAQs
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What factors determine mortgage eligibility?
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What type of mortgage is most suitable?
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There isn’t one type of mortgage that is better than others. The optimal mortgage for you can only be determined based on personal needs and preferences, as well as the current mortgage market which is influenced by the economy. To understand the most suitable mortgage options that are available right now, it’s worth engaging with one of our experienced mortgage brokers.
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How can I pay off my mortgage quicker?
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Most mortgages allow for some level of overpayment without incurring early repayment penalties, usually up to 10% of the outstanding balance each year, which will help to reduce the term of the mortgage. One alternative option could be an offset product that will allow you to link your savings to your mortgage to help reduce the term of the mortgage. Our advisers will discuss all of the options available to you.
First-time buyers
As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.
Remortgaging
Our advisers will look to help you find a better mortgage deal with our results-driven remortgaging advice and brokering services.
New build mortgages
Navigate the new build mortgage market with our experienced and well-connected new build mortgage advisers.
Buy to Let
Secure the right investment property with our extensive Buy to Let (BTL) mortgage market insights and support. Our knowledgeable team of BTL mortgage professionals will provide a customised solution that focuses on your investment goals.
£1,473
is the average monthly mortgage payment in the UK*.
This figure is based on the average house price as of July 2024, for a repayment mortgage on the average 2 year fixed rate, a 15% deposit and a mortgage length of 25 years.
What our customers say
Kept us up to date with the whole process and have been so helpful! Would definitely recommend.
