First time buyers

Helping you get on the first step of the property ladder…


Home movers

Buying your next home or an additional family residence…



Looking for a better rate or to raise capital locked up in your equity…


Buy to let

Thinking of starting your own property portfolio…





Mortgage Interest Rates

Some of the lowest mortgage rates that are currently available for each different product type…





Monthly Payments

Use this calculator to find out what your monthly payments are likely to be…


Maximum Borrowing

Use this calculator to find out how much you can borrow in total…





Offset mortgages

Offset mortgages are where the interest on your mortgage is reduced by the funds in both your savings account and your current accounts. The more you have in your savings account, the less interest you pay on your mortgage, which helps you to repay your mortgage faster and more cheaply in the long term. Your part of the deal is that you don’t receive any interest on your savings or your current account.


The main advantage of this is that with base rates low at the moment, savings rates are quite abysmal. So rather than working to give you a small amount of interest, your savings work to cut down your mortgage payments and repay your mortgage faster.


Plus, all your other debts, such as your credit cards or your personal loans are also linked into the nest of products, and this allows you to repay all of your debts at the mortgage rate, which is likely to be a lot lower than your pay rate on those borrowings. A further advantage is that the credit cards and loans remain unsecured borrowings even though they are paid off at the mortgage rate, so if you can’t keep up the repayments on those your home is not at risk.



Help at every stage of your application

Finding the best mortgage to fit your needs is only the first step in what can be a complicated process. That’s where a dedicated mortgage advisor comes in. Rather than leave you to manage things after they’ve selected the best mortgage for your circumstances, you’ll be assigned a dedicated advisor who will work closely with your lender, solicitor and surveyor to manage the process right through to achieving a satisfactory offer.


They’ll chase up references, instruct your survey and act as a central point of contact for your application. Your advisor will do their utmost to keep you fully informed on progress by committing to the following:


  • Contacting you in the way you find most convenient – at home, work or on your mobile
  • Giving you an estimated date for the next activity each time they are in contact with you
  • Answering any of your questions between 9.00am and 5.00pm Monday to Friday (or promising to get back to you within 24 hours if they are not available when you call)



How to receive your free mortgage illustration

Experienced, qualified advisors who arrange the best mortgages available handle all enquiries. They have access to every UK mortgage lender and will only approach the lenders who can offer you the best deal, saving you time and money.


To receive your free mortgage illustration, you just need to enter some basic information into one of our online enquiry forms.




Either way there’s no obligation, no credit checks will be performed without your consent and there are no brokers fees to pay. Your advisor will reply within 24 hours with illustrations of the best mortgages available from the whole marketplace.


Or if you prefer, you can call a fully trained mortgage advisor on 0845 490 0419. It will only take a few minutes of your time today but could save you thousands of pounds in interest payments and will eliminate any worries you may have about getting the best deal possible.



Free mortgage quote

Use our simple online enquiry form to get your free mortgage quote…



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Personal Loans

Low cost unsecured personal loans up to £25,000…


Homeowner Loans

Borrow any amount from £5,000 up to £100,000 for any purpose…







Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Please make sure you can afford the repayments before entering into an agreement.

This website is operated by Orchid Financial Ltd who are authorised and regulated by the Financial Services Authority number 301008

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