Mortgage advice that starts with your circumstances
Most people don’t ask for mortgage advice because they want a long list of products. We know you want answers to practical questions.
You may be asking:
- How much can I borrow?
- Which lender is likely to suit my situation
- Can I get a mortgage with my income?
- Should I remortgage or stay with my current lender?
- Can I borrow more?
- What documents will I need?
- How do I avoid choosing the wrong mortgage?
- What happens after I apply?
- Can someone manage the process for me?
Mortgage advice should help you make sense of the numbers, the lender criteria and the next steps. That’s where Your Mortgage Expert can help.
We take time to understand what you are trying to achieve, then help you find a mortgage route that fits your circumstances.
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How a mortgage broker helps
You can go directly to a bank. But they generally will only be able to talk to you about their own mortgage options.
A mortgage broker can look more widely and help you understand which lenders may be suitable for your income, deposit, credit profile, property and plans.
This can be especially useful if your situation is not completely straightforward, or if you simply do not have time to research lender criteria yourself.
- Understand what you can borrow
- Compare lenders and mortgage options
- Work through the monthly payments and overall cost
- Avoid wasting time on lenders that may not suit your circumstances
- Help with paperwork and explain what happens next
- Keep everything moving from enquiry to completion
For many people, the real value is not just finding a suitable mortgage. It is having someone to sense check the numbers, explain the pros and cons clearly and guide you through the process from start to finish.
How we help
First time buyer mortgage advice
Buying your first home can feel overwhelming, especially when you are trying to understand deposits, affordability, agreements in principle, solicitors, surveys and lender requirements for the first time.
We can help you understand how much you may be able to borrow, what deposit may be needed, which mortgage options may be suitable and what steps to take before you start viewing properties.
Our role is to make the process clearer, so you know what is realistic before you apply.
Moving home mortgage advice
Moving home means balancing your current mortgage, your sale price, your next purchase, your deposit, affordability and moving costs.
You may need advice on whether to port your current mortgage, borrow more, pay an early repayment charge or apply to a new lender.
We can help you understand your moving home options before you offer on a property, so you can move with a clearer budget and less stress.
Remortgage advice
If your current mortgage deal is ending, it is worth reviewing your options early.
You may want to secure a new rate, compare a product transfer with a remortgage, borrow more, release money for home improvements or check whether your current lender is still right for you.
We can compare suitable options and help you understand the next step before your current deal ends.
Protection and insurance advice
Your mortgage is likely to be one of your biggest financial commitments, so it is worth thinking about how it would be protected if life changed unexpectedly.
We can help with protection advice, including life insurance, critical illness cover, income protection and buildings and contents insurance.
This can help you think about your mortgage, home, income and family together.
Buy to let mortgage advice
Buy to let mortgages involve more than a simple rate comparison.
Lenders may look at rental income, property type, deposit, personal income, portfolio size, ownership structure and whether you are buying personally or through a limited company.
We can help you understand your buy to let mortgage options, whether you are buying your first rental property, remortgaging an existing one or expanding a portfolio.
Specialist mortgage advice
Not every mortgage application fits a standard box.
You may be self employed, a contractor, a company director, paid through CIS, working in a specialist profession, dealing with historic credit issues, looking for a high value mortgage or trying to borrow into later life.
These cases often need more careful lender matching.
We can help you understand how lenders may assess your circumstances and which route may be more suitable.
Why lender choice matters
Mortgage lenders do not all assess applications in the same way. The lender that suits one person may not suit another. Your options can depend on:
- Your income
- Your deposit
- Your employment type
- Your credit history
- Your monthly commitments
- The property you are buying
- Whether you are buying, moving or remortgaging
- Whether you need to borrow more
- Whether your income is simple or complex
- Your age and mortgage term
- Your future plans
This is why a mortgage broker can add value.
The aim is to match your application to lenders that are more likely to understand your circumstances, rather than wasting time with lenders that may not fit.
Related mortgage advice
Whether you are buying, moving, remortgaging or need more specialist advice, you may also find these mortgage advice pages helpful.
Buying or moving home
Remortgage and borrowing more
Mortgage advice for complex income
If your income is not a simple basic salary, lender choice can make a significant difference.
This may apply if you are:
- Self employed
- A company director
- A contractor
- Paid through CIS
- A freelancer
- An LLP partner
- A locum professional
- Receiving overtime, bonus or commission
- Working more than one job
- Recently changed role
Some lenders may take a more flexible view than others. Some use your latest year’s income, some use average income, and others may not use certain income types at all.
We can help you understand how your income will be assessed before you apply.
How using a broker can save time and reduce stress
A mortgage application involves more admin than many people expect.
There are documents to gather, lender questions to answer, affordability checks, valuations, solicitor updates and deadlines to manage.
We can help by:
- Checking your position before you apply
- Explaining what documents are needed
- Helping you avoid unsuitable lenders
- Submitting the application clearly
- Responding to lender questions
- Keeping you updated
- Liaising with the lender where needed
- Helping you understand what happens next
- Supporting you through to completion
This can save time and reduce stress, especially if you are also dealing with estate agents, solicitors, work and family life.
How our mortgage advice process works
Step 1: We understand what you want to do
We start by learning about your plans, income, deposit, current mortgage if you have one and what you want to achieve.
Step 2: We check what is possible
We look at affordability, lender criteria and the mortgage routes to suit your circumstances.
Step 3: We explain your options clearly
We talk you through the options, including the potential costs, monthly payments, documents needed and next steps.
Step 4: We help with the application
When you decide to move forward, we help prepare and submit the mortgage application.
Step 5: We support you through to completion
We help keep things moving, answer questions and support you through the mortgage process until completion.
Why choose Your Mortgage Expert
At Your Mortgage Expert, we provide clear, impartial mortgage advice for clients across the UK.
We are based in Salisbury, but we help clients nationwide by phone, video and email. We work with first time buyers, home movers, remortgage clients, landlords and borrowers with more complex circumstances.
Clients choose us because they want more than a quick rate search.
They want:
- Clear advice in plain English
- Help understanding what they can borrow
- Support comparing suitable mortgage options
- Guidance from enquiry through to completion
- Advice for both straightforward and complex cases
- Help with paperwork and lender communication
- A team that keeps the process moving
- Friendly support from experienced mortgage advisers
Our aim is to make the mortgage process feel clearer, more manageable and less stressful.
Not sure what mortgage advice you need?
Whether you’re buying, moving, remortgaging, investing in property or simply trying to understand what is possible, we can help you work out your next step.
This page was updated in May 2026