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Mortgage advice that works around you
Buying your first home, moving up, or reviewing your current deal — we'll find a mortgage that fits and handle the hard work for you.
The right mortgage, without the legwork
There are thousands of mortgage products on the market, and the cheapest headline rate isn't always the best deal once fees and terms are taken into account. As independent mortgage advisers, we compare deals from across a comprehensive range of lenders, explain your options in plain English, and manage the application from the first conversation all the way through to completion
Mortgage Calculator
Estimate your monthly payments, what you might borrow, and your stamp duty.
See the estimated monthly cost of a mortgage based on the amount, interest rate and term.
£
%
yrs
Estimated monthly payment
£1,112 / month
Total paid over term
£333,600
Total interest
£133,600
An illustration only, based on a constant interest rate for the full term. Your actual rate, payments and the deals available to you will depend on your circumstances and the lender.
A rough guide to how much you might be able to borrow, based on income. Lenders vary, so treat this as a starting point — not a decision.
£
£
£
You might be able to borrow around
£140,000 – £157,500
This is only an indication based on a typical income multiple of roughly 4 to 4.5 times income. It is not a mortgage offer, a Decision in Principle, or advice. Some lenders lend more or less depending on your full circumstances, outgoings and credit history. The only way to know what you can borrow is to speak to an adviser.
Estimate the Stamp Duty Land Tax (SDLT) on a property purchase in England. Rates are charged in bands, so each rate applies only to the part of the price within that band.
£
Estimated stamp duty
£2,500
Effective rate
0.83%
England SDLT rates as in force in 2026 (since 1 April 2025). Scotland (LBTT) and Wales (LTT) use different rates. This is an estimate for a standard residential purchase and does not cover every situation (e.g. non-UK residents, leasehold, mixed-use). Always confirm with your solicitor.
Your home may be repossessed if you do not keep up repayments on your mortgage.
These calculators are for guidance only and do not constitute advice, a quotation or an offer of credit. Figures are estimates and your actual mortgage, payments, borrowing and tax will depend on your individual circumstances. TLD Wealth Management Ltd is an appointed representative of TPD Wealth Management Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 606559).
These calculators are for guidance only and do not constitute advice, a quotation or an offer of credit. Figures are estimates and your actual mortgage, payments, borrowing and tax will depend on your individual circumstances. TLD Wealth Management Ltd is an appointed representative of TPD Wealth Management Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 606559).
Getting on the ladder for the first time. We'll explain how much you could borrow, the deposit you'll need, and walk you through every step so nothing comes as a surprise.
Buying your next place. We'll look at whether to keep or switch your current mortgage and arrange the borrowing to suit your move.
Coming to the end of a deal, releasing equity, or simply after a better rate. We'll review your options and handle the switch for you.
Building or managing a rental portfolio. We'll source lending suited to landlords, including limited-company structures where they fit.
Self-employed, a contractor, or with income that doesn't fit a tick-box. We know which lenders take a sensible, real-world view of how you earn.
Staying with your current lender when your deal ends. We'll compare a product transfer against a full remortgage and explain which fits your circumstances.
Missed payments, defaults or a CCJ in your history. We'll explain how different lenders assess adverse credit and what's realistically open to you.
Turned down by a lender. We'll work through why it happened and what your options are from here.
1.
We talk
A no-obligation chat about your plans, your budget and your circumstances.
2.
We recommend
We research the market and recommend a mortgage suited to you — and explain why.
3.
We apply
We handle the application and liaise with the lender, keeping you updated throughout.
4.
You complete
We see it through to completion — and we're here for the next review when your deal ends.
Areas We Cover
Some of the areas we're asked about most — we advise clients across England and Wales, so if your area isn't listed, please get in touch.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Fees
We'll always explain any fees clearly before you commit to anything. You may have to pay a fee for our mortgage advice — the precise amount depends on your circumstances and is confirmed in your Initial Disclosure Document, agreed with you before any work begins. We may also receive commission from the lender.
Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
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