We save you time and money by identifying lenders and providers whose underwriting criteria align with your needs. Offering a whole-of-market mortgage review service, our recommendations are made on comprehensive and fair analysis of the mortgage market, ensuring you receive tailored solutions that work for you.
The mortgage market changes all the time, not just in terms of mortgage deals and regulation but also in the way lenders assess loan applications.
Some of the changes have been in the way mortgage lenders assess the suitability of all clients for the different types of loan on offer. They base this decision on a variety of factors, primarily:
1. The property – type, condition, access and location
2. Employment status – amount and frequency of income (and time in your current role)
3. Financial commitments – current and future (and your history of managing credit).
There is now more focus on affordability and expenditure. This is very different to the traditional approach of simply multiplying your annual personal (or rental) income by a pre-set multiple to obtain a maximum lending amount.
We pride ourselves on being up to date with regulation, legislation and the economic market.
We understand your needs, match that to the requirements of lenders, and protect you and your dependants once you have bought your property.
This way, we help you save time and money in the new world of mortgage advice.
Rated Excellent.. Don't just take our word for it!
Joan Windess
2025-02-06
Trustindex verifies that the original source of the review is Google.
Our consultant Paul Janes is always professional and knowledgeable. We feel listened to and our views respected. We feel very safe in his hands.
Nigel Horn
2025-01-30
Trustindex verifies that the original source of the review is Google.
Our experience with Charles was excellent he was very knowledgeable and helped us secure the right mortgage , he also help us select other insurances to run along side the mortgage to give us a little more security and peace of mind going forward
He is a very pleasant and well presented professional and we would not hesitate to ask for his guidance in the future
Nigel & Helen Horn
Stephen Bulmer
2025-01-29
Trustindex verifies that the original source of the review is Google.
James Black when through my review and also covered my worries about whether I should leave Beals or not. He answered all my concerns well. As my tax free allowance is drawing to an end we will be discussing my next steps soon.
Glenda Evans
2025-01-27
Trustindex verifies that the original source of the review is Google.
I can recommend James Black to anyone who requires good sound advice. James always answers queries in a timely manor. He is courtious and polite and a pleasure to do business with.
David Barnes
2025-01-21
Trustindex verifies that the original source of the review is Google.
Just had my annual review with
Dean from Beals and as always Dean had all the answers that I required the review was organised around the time that suited me most and i was sent all the relevant information that i needed i would recommend there service to anyone
Doœ Fouad
2025-01-21
Trustindex verifies that the original source of the review is Google.
There are no enough words that can explain how grateful I am to have dealt with Clare Cheeseman to sort out my mortgage. She managed to make a very complicated procedure a very easy and a delightful experience. Thanks to her efforts and prompt work I managed to receive a mortgage offer. I definitely recommend her.
Rhona Denslow
2025-01-15
Trustindex verifies that the original source of the review is Google.
Great advice from Chris and all at Beales. Have looked after me now for many years. Highly recommend
Amanda Hickling
2025-01-13
Trustindex verifies that the original source of the review is Google.
James our financial advisor makes sure we always have regular reviews throughout the year to keep our finances in order so that we are on track for retirement
Polly Macey
2025-01-11
Trustindex verifies that the original source of the review is Google.
Myself and my partner are first time buyers and we worked with Clare. Clare gave us great advice on which mortgage would be suitable, and put us in a position to make the best choice for us. She arranged everything for us, so we could relax knowing everything was done. This also lead to a mortgage offer coming from the bank very quickly.
Clare explained everything clearly to us, so we understood each aspect of the process.
Clare also helped with the smaller details, such as supplying us with quotes for different insurance that we’d require and could advise on her experience with these companies.
Overall, we would highly recommend Clare to our friends and families. She made everything simple, stress free and ensured we got the best deal!
David Williams
2025-01-03
Trustindex verifies that the original source of the review is Google.
James was extremely patient and helpful talking through my pension options and has continued to be very responsive to any of my questions, in addition and most importantly my investments are performing very well!
How we add value
We help you save time and money by focusing on lenders and providers whose underwriting criteria will suit you. Besides providing mortgage and insurance solutions, our mortgage services add value by helping you:
Save money by not paying too much for your mortgage
Pay the correct deposit to get the best interest rate
Avoid paying hefty early redemption penalties or administration costs if you make partial loan repayments during the mortgage term
Decide how best to structure the term of your borrowing taking into account your age, objectives and retirement plans
Understand the risks associated with repayment or interest-only mortgages
Save time and money by focusing on lenders and providers whose underwriting criteria will suit you
Save money by ensuring you don’t pay too much to protect your assets
Place your insurance in the right name, ownership and trust, so that your beneficiaries do not pay too much tax when they inherit your estate.
Whether you're a first-time buyer, professional home mover, or buy-to-let investor, we’re here to help!
Our whole-of-market mortgage review service ensures you find the right mortgage tailored to your needs. Get started today and secure the right deal for your future.
It is not as simple as looking for the lender with the cheapest rate, or insurer with the cheapest premium.
Yes, the interest rate or premium is key as a starting point. However, how might that change in the short, medium or long term?
We undertake a comprehensive review of other key factors that affect the real cost to you.
For example, some lenders charge arrangement fees that can be large enough to make the overall cost of lending unattractive, when compared to others.
Other considerations:
Other key features of mortgages that you need to consider are:
Early repayment charges – if you wish to partially or fully repay your mortgage during its term:
Portability of the loan – if you move, you may wish to keep your current mortgage
Fixed rate – would you benefit by fixing the interest rate with the lender for a set period
Annual percentage rate (APR) – what is the real cost of borrowing, not just the interest rate charged?
Flexibility – the ability to overpay, take payment holidays, or switch repayment types
Frequency of interest additions – how often the lender calculates and adds interest to your loan, for example daily, monthly, or annually, can affect the cost of your borrowing.
Insurance is very similar – we will advise you so that if you ever need to make a claim, you or your dependants, will receive what you were expecting.
This is why analysing and monitoring the enormous range of products is important. This ensures you get the right solution.
Our Mortgage Services
We offer a wide range of mortgage services designed to suit your unique needs, whether you're a first-time buyer, looking to remortgage, or seeking a buy-to-let property. Our expert mortgage advisers provide personalised advice, helping you navigate the mortgage process with ease
Adverse Mortgages & Re-Mortgaging
Navigating the mortgage market with a less-than-perfect credit history can be challenging, but we specialise in helping clients with adverse credit find tailored solutions. Whether you're looking to secure a new mortgage or remortgage an existing property, our expert advisers will work with a range of lenders to find options that suit your circumstances and help you get back on track financially.
Whether you're starting out as a landlord or expanding an existing portfolio, we can help you navigate the complexities of Buy-To-Let mortgages. Our experienced advisers work with a range of lenders to find tailored solutions that align with your investment goals, ensuring the process is as smooth and straightforward as possible.
Cashback mortgages offer a financial boost when you need it most, giving you a lump sum of cash upon completion. Whether you're buying your first home or remortgaging, our advisers can help you find competitive cashback mortgage options tailored to your needs, making the process simple and rewarding.
Getting a mortgage as a contractor can feel complex, but we’re here to help. Our mortgage advisers specialise in finding mortgage solutions tailored to contractors, working with lenders who understand your individual income structure to secure the most suitable options for your needs.
Remortgaging can help you secure a better deal, lower your monthly payments, or release equity from your property. Our advisers will guide you through the process, helping you explore the most suitable remortgage options and find a solution that aligns with your financial goals.
For those aged 55 and over, equity release can unlock the value tied up in your property, providing financial freedom in later life. Our equity release advisers will help you explore your options, ensuring you choose a solution that meets your needs and safeguards your future.
With a fixed-rate mortgage, your interest rate stays the same for an agreed period, providing stability and predictable monthly payments. Our advisers can help you find the right fixed-rate mortgage, ensuring it aligns with your financial goals and offers peace of mind throughout the term.
Buying your first home can be a daunting process, but we’re here to guide you every step of the way. From securing your first mortgage to finalising the purchase, our expert mortgage advisers will help you navigate the journey, ensuring you make informed decisions and find the right solution for your needs.
An offset mortgage links your savings to your home loan, helping you reduce the interest you pay and potentially shorten the term of your mortgage. Our mortgage advisers will guide you through the benefits and help you find the offset mortgage option that suits your financial situation and goals.
Managing multiple debts can be overwhelming, but we can help simplify things. Our advisers specialise in debt consolidation mortgages and remortgaging options, helping you combine your debts into a single, manageable payment and work towards a more stable financial future.
Building your own home is an exciting venture, and a self-build mortgage can help make it possible. Our advisers specialise in guiding you through the process, from securing financing to managing your build, ensuring you find the mortgage to suit your project and budget.
Securing a mortgage as a self-employed individual can be challenging, but we’re here to help. Our advisers work with a range of lenders who understand your income situation, helping you find the mortgage solution that suits your needs and financial circumstances.
Whilst some 0% products are available, outside of this the minimum deposit in the UK is usually 5% of the property's value, though a 10-20% deposit will often help you secure a better interest rate. First-time buyers may also be eligible for government schemes which can reduce the deposit required.
How much can I borrow?
Lenders typically offer mortgages of up to 4-5 times your annual income, though this can vary depending on your credit score, financial situation, and the lender’s policies. Other factors like your outgoings and existing debts also play a role.
What is the mortgage interest rate, and how is it set?
The interest rate is the cost of borrowing money. It can be fixed, meaning it stays the same for a set period, or variable, meaning it can change according to market rates. Rates are influenced by the Bank of England base rate and the lender’s criteria. The rate you get depends on your credit score, loan-to-value ratio (LTV), and the mortgage type.
Do I need a Mortgage in Principle (AIP)?
While not essential, having an AIP is highly recommended. It shows estate agents and sellers that you're a serious buyer with a clear idea of your budget. It also speeds up the process once you find a property, as the lender has already assessed your financial situation. However, it’s not a guarantee of mortgage approval, as the final offer will depend on further checks and the property’s value.
How long will it take to get a mortgage?
The average time to get a mortgage in the UK is 4-6 weeks, but this can vary depending on the lender and your circumstances. Providing all necessary documentation in advance, such as proof of income and bank statements, can speed up the process.
What is the difference between a repayment mortgage and an interest-only mortgage?
With a repayment mortgage, you pay both interest and the loan principal each month, gradually reducing your debt. With an interest-only mortgage, you only pay the interest, meaning you’ll owe the original loan amount at the end of the term. Interest-only mortgages are typically available only to those with sufficient income or assets.
What is a mortgage term, and what are the options?
A mortgage term is the length of time you have to repay the loan. In the UK, terms usually range from 25 to 40 years. Shorter terms have higher monthly payments but lower overall interest costs, while longer terms spread out payments but increase the total interest you pay.
What are the costs involved in getting a mortgage?
Besides the deposit, you may need to pay for a valuation fee, legal fees (solicitors or conveyancers), stamp duty (depending on the property value), and arrangement fees charged by the lender. The total costs will vary depending on the property price and the mortgage lender.
Can I get a mortgage if I have bad credit?
Yes, it’s possible to get a mortgage with bad credit in the UK, but you may need to apply to specialist lenders who offer bad credit mortgages. These typically come with higher interest rates. It's also important to check your credit report and improve your score where possible before applying.
Can I remortgage before the end of my term?
Yes, you can remortgage before the end of your term, but you may face early repayment charges (ERC) from your current lender. It’s worth checking the terms of your existing mortgage and comparing deals to see if remortgaging would be beneficial.
What is an adverse remortgage?
An adverse remortgage is a type of remortgage option available to homeowners with poor credit. If you’ve missed payments, have defaults, or have a low credit score, lenders may offer adverse remortgage deals, though these tend to come with higher interest rates. It’s a way to refinance your mortgage despite a history of financial issues.
Looking for a financial adviser near you?
Our first appointment is free of charge and with no-obligation! Available by phone, video call or face-to-face.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Approver Quilter Financial Services Limited and Quilter Mortgage Planning Limited. March 2025
Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166
