First-time buyer?

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Our recommended mortgage experts can help you buy your home.

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Working with a Trusted FCA-Regulated Network

Local Mortgage Hub is a trading name of Bright Money Independent Ltd. Bright Money Independent Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority: “Sesame Ltd (FCA No. 150427)”

Make Homeownership Possible with a 5% Deposit: Mortgage Guarantee Scheme

The Government’s Mortgage Guarantee Scheme opens doors to homeownership with just a 5% deposit. This initiative supports buyers across the UK by offering 95% loan-to-value mortgages on properties up to £600,000, making it easier to secure a mortgage even with limited upfront funds.

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Learn More

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First Homes Scheme: Affordable New-Builds for First-Time Buyers

The First Homes Scheme offers first-time buyers a 30-50% discount on new-build properties, making homeownership more achievable. This government initiative is tailored for households with incomes under £80,000 (£90,000 in London), providing an affordable option in today’s market.

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Fixed-Rate vs. Variable-Rate Mortgages: Exploring the Differences

When choosing a mortgage, it's important to understand the differences between fixed-rate and variable-rate mortgages. This guide will help you make an informed decision.

Advantages

Stability and predictable monthly payments are the main advantages of fixed-rate mortgages.

Ideal Scenarios

Variable-rate mortgages are ideal for borrowers who can handle fluctuations in interest rates.

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FAQs

Find answers to common questions about our mortgage services.

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What is a mortgage?

A mortgage is a loan provided by a bank or lender to help individuals or families purchase a property. It is secured by the property itself.

How much can I borrow?

The amount you can borrow depends on various factors, including your income, credit score, and the value of the property you wish to purchase.

What are the interest rates?

Interest rates for mortgages can vary depending on market conditions, your creditworthiness, and the type of mortgage you choose.

How long does it take to get approved?

The approval process can vary, but it typically takes a few weeks to complete. Factors such as document verification and property appraisal can impact the timeline.

What documents do I need?

The documents required for a mortgage application may include proof of income, bank statements, identification documents, and details about the property you wish to purchase.

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Find the Perfect Mortgage Solution for Your Needs

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Re-Mortgaging?

Lets find you the right advice.

Our recommended mortgage experts can help you re-finance your home.

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Local Morgage Hubs searches will match you with the right mortgage advisor and will share your details.

Your mortgage expert will contact you to book a meeting.

Skip the form?

Book a call with an advisor

Thank you!
Your submission has been received and a qualified mortgage advisor will be in touch to arrange an appointment shortly.

Oops! Something went wrong while submitting the form.

Answer the questions on the Hub survey, here

Local Morgage Hubs searches will match you with the right mortgage advisor and share your details.

Your mortgage advisor will contact you to schedule your meeting.

Working with a Trusted FCA-Regulated Network

Local Mortgage Hub is a trading name of Bright Money Independent Ltd. Bright Money Independent Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority: “Sesame Ltd (FCA No. 150427)”

Expert Remortgage Advice

We help you find the best remortgage solution.

With competitive rates and flexible terms, we make re-mortgaging easy. Eligibility criteria and the application process are straightforward, ensuring a smooth experience from start to finish.

Mortgage Options

Explore a range of remortgage options tailored to your unique circumstances.

Simple Process

Discover the straightforward journey of remortgaging with our step-by-step guidance.

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Can you borrow the right amount?

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What can you save by remortgaging?

What are the current interest rates and how will they affect your new mortgage?

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Are there any fees or penalties for exiting your current mortgage early?

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How long does the remortgaging process take?

Fixed-Rate

Rate remains the same for a fixed timeframe regardless of changes to interest rates.

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SVR (Standard Variable Rate)

Rate follows the Bank of England, less predictable & lenders move clients to this if left to automatically renew.

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Discount-Rate

Rate discount is off the lender's SVR. Rate has a limited timeframe and the rate of pay will change with the SVR.

Interest-Only

Rate means payments cover interest repayment only and NOT the amount borrowed.

Offset-Rate

Rate links your savings to mortgage Can combined with other mortgages to pay less interest & pay-off quicker.

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Tracker-Rate

Moves directly in alignment with another rate, usually the Bank of England base rate normally tracks at a higher rate.

The Remortgaging Journey: Simplified and Stress-Free

At Local Mortgage Hub, we understand that remortgaging can be overwhelming. That's why we've created a step-by-step process to guide you through every stage, ensuring a seamless experience.

Step 1:
Initial Consultation

At Local Mortgage Hub, we make remortgaging easy and hassle-free. Our team of experts will guide you through the process, ensuring you get the most suitable deal for your needs.

Step 2:
Mortgage Options Analysis

We offer a wide range of remortgage options to suit your individual circumstances. Whether you're looking to reduce your monthly payments or release equity from your property, we've got you covered.

Step 3:
Application and Documentation

Our streamlined remortgaging process ensures a stress-free experience. From application to completion, we'll handle all the paperwork and negotiations on your behalf.

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Book an expert call for personalised remortgaging advice

Discover the best remortgage options in the UK.

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Looking for a Buy-to-Let (BTL) mortgage?

Lets find you the right advice.

Our recommended mortgage experts can help you invest in property

Answer the questions on the Hub survey, here

Local Mortgage Hubs searches will match you with the right mortgage advisor and will share your details.

Your mortgage expert will contact you to book a meeting.

Skip the form?

Book a call with an advisor

Thank you!
Your submission has been received and a qualified mortgage advisor will be in touch to arrange an appointment shortly.

Oops! Something went wrong while submitting the form.

Answer the questions on the Hub survey, here

Local Morgage Hubs searches will match you with the right mortgage advisor and share details.

Your mortgage expert will contact you toschedule meeting.

Expert Buy To Let Advice

At Local Mortgage Hub, we offer qualified property investment advice!

Our team of experts will guide you through the process of buying a Buy To Let property, ensuring you make informed decisions. With a range of mortgage options available, we will help you find the perfect solution for your property investment goals.
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The FCA does not regulate some forms of Buy-to-Let mortgages.

Guidance for Buy-To-Let Mortgages

At Local Mortgage Hub, we offer qualified advice. Our team of experts will guide you through the process of buying a Buy To Let property, ensuring you make informed decisions.

Fixed-Rate

Rate remains the same for a fixed timeframe regardless of changes to interest rates.

Interest-Only

Rate means payments cover interest repayment only and NOT the amount borrowed.

Tracker-Rate

Moves directly in alignment with another rate, usually the Bank of England base rate normally tracks at a higher rate.

Book a call with an advisor

Explore Buy To Let Mortgage Options

We offer qualified advice and provide a range of Buy To Let mortgage options to suit your needs. Whether you’re interested in interest-only or repayment mortgages, we have the expertise to guide you through the process.

Mortgage Options

Explore a range of BTL mortgage options tailored to your unique circumstances.

Simple Process

Discover the straightforward journey of BTL mortgages with our step-by-step guidance.

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The Journey of Buying a Buy To Let Property

Buying a Buy To Let property can be a complex process. Our team of experts is here to guide you every step of the way, ensuring a smooth and hassle-free experience.

Buy to Let Mortgage Specialist Advice Near Me

Step 1: Initial Consultation

At Local Mortgage Hub, we make getting a Buy-to-Let mortgage straightforward and hassle-free. Our team of experts will guide you through the process, ensuring you get the most suitable deal for your property investment needs.

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Step 2: Mortgage Option Analysis

We offer a wide range of Buy-to-Let mortgage options to suit your individual circumstances. Whether you're looking to maximise rental income or expand your property portfolio, we've got you covered.

Specialist Buy-to-let mortgage broker near me

Step 3: Application & Documentation

Our streamlined Buy-to-Let mortgage process ensures a stress-free experience. From application to completion, we'll handle all the paperwork and negotiations on your behalf.

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Expert Mortgage Advice and Consultation

Find the Perfect Mortgage Solution for Your Needs

Book a call with an advisor

First-time buyer?

Working with a Trusted FCA-Regulated Network

Make Homeownership Possible with a 5% Deposit: Mortgage Guarantee Scheme

First Homes Scheme: Affordable New-Builds for First-Time Buyers

Fixed-Rate vs. Variable-Rate Mortgages: Exploring the Differences

FAQs

Expert Mortgage Advice and Consultation

Re-Mortgaging?

Working with a Trusted FCA-Regulated Network

Expert Remortgage Advice

Types of Mortgages

Remortgaging Process

Remortgaging Information