Whatever your move, we will find the way.
We are a whole-of-market mortgage broker, so our recommendation is the one that fits you — not one lender's range. Here is where we help most.
First-time buyers
Getting on the ladder can feel daunting. We explain every step, work out what you can borrow, and find a deal that fits your budget.
Remortgaging
Coming to the end of a deal? We compare the whole market against your current rate to see whether switching could save you money.
Moving home
Porting, borrowing more, or starting fresh — we handle the mortgage side so you can focus on the move.
Self-employed
If your income is less straightforward, we know which lenders take a sensible view and how to present your case well.
Buy-to-let
Building or refinancing a portfolio? We advise on buy-to-let lending for both new and experienced landlords.
Larger loans
Higher-value or more complex borrowing, arranged with lenders who understand it and priced to suit your circumstances.
How our mortgage advice works
Book a free call
Pick a time that suits you. We will talk through your plans, your budget and what you want to achieve — with no cost and no obligation.
We search the market
We compare deals from across the whole market and recommend the one that genuinely fits, with the numbers and trade-offs laid out clearly.
We arrange it all
From application to completion, we handle the paperwork and liaise with the lender, keeping you updated at every step.
“Getwisely are the best brokers in the UK. Highly recommend them. Stuart dedicated alot of time, resources and patience to get our completed mortgage product over the line. Always a phone call/message or email away. Very good at communication. They are very clear and realistic in your requests, they understand the market very well, highly professional. If your brokers let you down, get in touch with getwisely !”
Mortgage questions, answered
The questions we're asked most often — deposits, borrowing limits, self-employed income and what happens when your fixed rate ends.
How much deposit do I need?
Most lenders look for at least 5% of the property value, though 10% or more usually unlocks better rates. The larger your deposit, the lower your loan-to-value and generally the cheaper your rate. Our affordability calculator is a good starting point.
How much can I borrow?
As a rough guide, lenders often work to around four to four-and-a-half times your income, but the real answer depends on your outgoings, credit commitments, dependants and the type of work you do. Some lenders are noticeably more generous than others with the same set of figures, which is where whole-of-market research earns its keep.
Can I get a mortgage if I'm self-employed?
Yes. Lenders assess self-employed income differently — often using your last two to three years of accounts or SA302s — but plenty lend happily to the self-employed. As a whole-of-market broker we know which lenders take the most sensible view of your situation.
Can I get a mortgage with less-than-perfect credit?
Often, yes. Missed payments, defaults or a past CCJ narrow your options but rarely close them entirely. What matters is how recent and how serious the issue was, and how your finances look now. There are lenders who specialise in exactly this, and we'll tell you honestly where you stand before you apply.
What's a Decision in Principle?
A Decision in Principle (DIP, sometimes called an Agreement in Principle) is an early indication from a lender of how much they'd be willing to lend you. It shows estate agents and sellers you're a serious buyer and helps you shop with confidence. It's quick to arrange and doesn't commit you to anything.
How long does a mortgage application take?
It varies, but from full application to a formal mortgage offer is often around two to four weeks, depending on the lender and how quickly documents and the valuation come together. We keep things moving and keep you updated throughout.
Should I fix my rate?
It depends on your circumstances and how much certainty you want over your monthly payments. A fixed rate protects you from rate rises for a set period; a tracker moves with the market. We'll talk through the trade-offs and recommend what suits your plans.
What happens when my fixed rate ends?
If you do nothing, you'll usually move onto your lender's standard variable rate, which is typically a good deal more expensive. You can normally start looking at a new deal around six months before your rate ends, and we'll get in touch in good time so you're never caught out. Switching is often straightforward and sometimes possible with your existing lender.
Looking for how we work, our fees or what happens on the first call? Those are on our general FAQ page.