Speak to our team     01322 553282

Log in to the client portal

Your Trusted Mortgage Advisor in Eltham

We’re all about relationships

Welcome to The Mortgage Consultancy, your trusted mortgage advisor in Eltham. With over 40 years of industry expertise, we specialise in offering tailored advice to first-time buyers, homeowners, property investors, and businesses in Eltham. Whether you’re stepping onto the property ladder, remortgaging, or expanding your property investments, our team is here to guide you every step of the way.

As your dedicated mortgage advisor in Eltham, we take pride in providing personalised solutions that suit your circumstances. With an in-depth understanding of the local market, we assess your financial needs and offer straightforward advice to help you achieve your goals. Let us take the stress out of the mortgage process and support you in securing the right deal.

Tailored Mortgage Advice for Eltham Homeowners

Your Local Mortgage Advisors in Eltham
At The Mortgage Consultancy, we are proud to support the Eltham community with expert mortgage advice tailored to your specific needs. We assist first-time buyers, homeowners, and property investors, ensuring the mortgage process is clear and straightforward. Our team carefully reviews your financial situation to provide guidance that aligns with your goals. Whether you’re looking to purchase your first home, remortgage your current property, or invest in buy-to-let opportunities, we are here to help. Working with a variety of lenders, we focus on securing mortgage options that suit your circumstances. We understand that navigating the mortgage process can feel overwhelming. That’s why we offer step-by-step support, ensuring you have the knowledge and confidence to make informed decisions about your financial future.

Just need advice?

Drop us a call on

01322 553282

or download our FREE ebook

A simple guide to Buy-to-Let Property Investment

Download this free guide and gain the knowledge and strategies to maximise your property investment potential!
Download

Mortgage Support for First-Time Buyers in Eltham

As a first-time buyer, navigating the complexities of the mortgage market can be daunting, but the right support makes all the difference. By partnering with a mortgage advisor in Eltham, you benefit from expert guidance at every stage of the process.

At The Mortgage Consultancy, we specialise in assisting first-time buyers to find mortgages tailored to their individual circumstances. Our team takes the time to evaluate your financial situation and clearly explain the range of options available.

We can also guide you through various schemes designed for first-time buyers and shared ownership, which provide valuable assistance for those stepping onto the property ladder.

With our local knowledge of Eltham, we offer personalised advice to help you access competitive rates and terms. Whether you need a fixed-rate deal or something more flexible, our advisors are here to support you in making informed decisions and achieving your goal of homeownership.

Remortgage Solutions  for Homeowners in Eltham

If you’re thinking about remortgaging in Eltham, having a knowledgeable mortgage advisor in Eltham by your side can make a significant difference in achieving your financial goals.
Whether you’re hoping to lower your monthly payments, secure a more attractive interest rate, or unlock equity from your property, a mortgage advisor in Eltham can help you navigate the complexities of remortgaging. At The Mortgage Consultancy, our team focuses on creating remortgage solutions tailored specifically to your financial circumstances. We assess your current mortgage and offer advice on the most beneficial options available. If you’ve stayed with the same lender for an extended period, you might be missing out on more favourable terms. A mortgage advisor in Eltham can help you explore more competitive opportunities that could save you money. Our deep knowledge of the Eltham property market ensures that we can offer personalised remortgage advice, helping you find the right deal for your unique financial situation.

Expert Buy To Let Guidance for Landlords in Eltham

If you’re considering property investment in Eltham and looking to generate rental income, a buy-to-let mortgage is a great option to fund your purchase.

These mortgages are specifically designed for purchasing rental properties, which are different from standard residential mortgages. Whether you’re a first-time property investor or aiming to expand your portfolio, a mortgage advisor in Eltham can guide you through the entire process.

Our mortgage advisors in Eltham work closely with you to understand your investment goals, ensuring you find the most suitable mortgage deal for your needs.

When applying for a buy-to-let mortgage, lenders will evaluate the expected rental income, your financial situation, and the type of property. In general, a larger deposit and good credit history are needed, along with evidence of income. As experienced mortgage advisors in Eltham, we assist you in meeting these requirements and securing the most competitive offers.

At The Mortgage Consultancy, we specialise in helping property investors in Eltham secure buy-to-let mortgages that align with their property investment strategies.

Mortgage Solutions  for Homeowners in Eltham

At The Mortgage Consultancy, we offer personalised services as your dedicated mortgage advisor in Eltham.

We understand that every financial situation is different, which is why we focus on delivering tailored support to first-time buyers, homeowners, and property investors. Our team ensures that the mortgage application process is clear, stress-free, and seamless.

As your trusted mortgage advisor in Eltham, we take the time to assess your financial circumstances and goals, providing expert advice and guidance that’s specific to you. Whether you’re purchasing your first home, remortgaging, or exploring buy-to-let options, we help you navigate the mortgage landscape with ease.

We work with a variety of lenders to secure competitive rates and mortgage products that meet your needs. With our experience, you can rely on us to provide the support you need to make informed decisions and successfully manage your mortgage.

As a first-time buyer in Eltham, the mortgage process can seem daunting. However, with the help of an experienced mortgage advisor in Eltham, you can navigate the complexities with ease.

At The Mortgage Consultancy, our team specialises in guiding first-time buyers through the mortgage journey. As your mortgage advisor in Eltham, we take the time to understand your financial situation and offer clear explanations of all the available mortgage options.

Our expertise extends to government schemes and shared ownership, that can significantly assist first-time buyers. We will help you access these opportunities and ensure you secure a mortgage that fits your budget.

By working with a mortgage advisor in Eltham, you benefit from our local knowledge and connections, allowing you to find competitive rates. Let us help you achieve your dream of owning a home.

How we can help

Residential Mortgages

From first-time buyers to home movers and remortgages, we’re here to help.

Get started

Buy To Let

With a significant amount of experience, we work with property investors and developers to provide solutions.

Get started

Insurance & Protection

From buildings and contents insurance to income protection, don’t leave it to chance.

Get started

Later Life Lending

Available to those aged 55 and over, Later Life Lending can be a helpful way to unlock funds from a property.
Get started

Need advice & guidance?

Drop us a call 01322 553 282 or download one of our eBooks

Buy-to-Let Guide

Here, we break down the complexities of buy-to-let financing, identifying how it differs from traditional mortgages and the risks involved.

Download Guide

Insurance Guide

Here, we’ll highlight the importance of mortgage insurance and discuss the different types of protection available to safeguard your property.

Download Guide

Self Employed Guide

Our professional guidance removes the guesswork, offering you a clear and confident path to achieving homeownership.

Download Guide

First-Time Buyer Guide

With our experienced guidance, you can leave behind any doubts and follow a clear, confident path toward owning your home.

Download Guide

Mortgage Readiness Guide

In this detailed guide, we'll guide you through each stage, helping you be fully prepared to find the mortgage that's right for you.

Download Guide

Credit Score Guide

We've created this guide to offer you the insights you need, empowering you to make informed decisions during your mortgage application process.

Download Guide

10 Mortgage Myths Debunked

This comprehensive guide tackles 10 common mortgage myths, helping you separate fact from fiction.

Download Guide

A simple guide to
Later Life Lending

This guide offers an in-depth examination of two common Later Life Lending products: Lifetime Mortgages and Retirement Interest-Only (RIO) Mortgages.

Download Guide

Your Title Goes Here

If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances. You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.

What our customers say

Providing advice and guidance: FAQs

I have a question about…

Mortgages
Buy-to-let
Bridging
Insurance & protection
What does a mortgage mean in Eltham?
A mortgage is a loan that is secured against your property, often used for purchasing a home or accessing equity for projects such as home renovations. If you’re considering a mortgage in Eltham, collaborating with an experienced mortgage advisor will help you explore the best options and ensure you make a decision that aligns with your financial objectives. As your dedicated mortgage advisor in Eltham, we offer comprehensive support throughout the mortgage journey. Whether you’re buying your first home or planning to remortgage, our team provides tailored advice to help you secure the right mortgage for your unique situation.
Am I likely to qualify for a mortgage in Eltham?
Mortgage approval depends on various factors, such as your credit history, income, and current debt levels. Lenders assess your financial situation to determine whether you qualify for a mortgage and which type of loan suits your needs. As a trusted mortgage advisor in Eltham, we’ll help you navigate the approval process, explaining the requirements and guiding you towards the most suitable mortgage options for your individual situation. Whether you’re buying your first home or remortgaging, our team is here to provide expert advice and support throughout.
What is the process for applying for a mortgage in Eltham?
The mortgage application process involves several important steps: beginning with a consultation with a broker, obtaining a decision in principle, submitting your documents, arranging the property valuation, and completing the final stages of the application. As a reliable mortgage advisor in Eltham, we will assist you through every step of the process. Our knowledgeable team ensures you fully understand each phase, offering the support needed to make your mortgage application straightforward.
How much am I eligible to borrow for a mortgage in Eltham?
Your ability to borrow for a mortgage is influenced by several factors such as the property’s value, the deposit you can offer, and your financial profile, including your income, existing debts, and credit score. As a trusted mortgage advisor in Eltham, we’ll guide you through these key elements and help you explore mortgage solutions that match your specific financial goals. Our team is here to ensure you make informed decisions and find the mortgage that fits your unique circumstances.
What deposit is required to secure a mortgage in Eltham?
The size of your deposit will directly impact the size of your mortgage loan. For first-time buyers, a 5% deposit is often enough, though most buyers typically aim for a deposit between 10% and 25%. A larger deposit may also increase your chances of securing more favourable interest rates. As an experienced mortgage advisor in Eltham, we’ll help you assess how your deposit influences your mortgage options and work with you to ensure you secure the right deal for your financial situation.
What exactly is a buy-to-let mortgage in Eltham?
A buy-to-let mortgage is a loan specifically created for purchasing rental properties. Unlike a traditional residential mortgage, it factors in the potential income from renting the property, as well as the investment value. As an expert mortgage advisor in Eltham, we’ll help you navigate the differences between a residential and buy-to-let mortgage, ensuring you find the right mortgage solution to support your investment ambitions.
How much can I borrow for a mortgage in Eltham?
The amount you can borrow on a buy-to-let mortgage depends on several important factors, including expected rental income, the value of the property, and your financial position. Lenders carefully assess these to determine your ability to repay the loan. As a trusted mortgage advisor in Eltham, we will walk you through how each of these elements impacts your borrowing potential and assist you in securing a buy-to-let mortgage that aligns with your investment objectives.
Do buy-to-let mortgages have higher interest rates?
Indeed, interest rates for buy-to-let mortgages tend to be higher as lenders view rental properties as a greater risk. However, by increasing your deposit and showcasing a solid financial profile, you might be able to access more favourable rates. As your dedicated mortgage advisor in Eltham, we can help you navigate these considerations and secure a buy-to-let mortgage that aligns with your investment objectives.
Is it possible for me to live in a buy-to-let property?
Typically, no. Buy-to-let mortgages are intended for investment purposes only, and living in the property could violate the terms of the mortgage agreement.
What tax considerations should I be aware of when taking out a buy-to-let mortgage in Eltham?
Taxation on rental income applies, but it can differ depending on circumstances, and recent changes to mortgage interest relief make it essential to grasp the full tax implications of your buy-to-let property. As an experienced mortgage advisor in Eltham, we suggest consulting with a financial expert to get a clear understanding of how to manage both your mortgage and tax obligations efficiently.
What are interest rates like?
Interest rates for bridging loans tend to be higher than traditional loans due to their short-term structure and rapid approval. Your lender and financial profile will influence the rate offered. As an experienced mortgage advisor in Eltham, we can help you explore various bridging loan rate options and ensure you find a solution that fits your needs.
What does bridging finance mean and how can it help you secure a property in Eltham?
Bridging finance is a versatile financial solution commonly linked to property purchases, but it can also serve other purposes like business financing or property renovations, based on the lender’s criteria. As a trusted mortgage advisor in Eltham, we provide expert guidance on how bridging finance can be tailored to your specific needs, helping you find the ideal solution for your situation.
What are the consequences of failing to repay a loan by the due date?
“If you’re unable to repay a bridging loan by the agreed date, options like refinancing, extending the loan, or selling the property may be available. It’s important to maintain open communication with your lender to determine the right approach. As a trusted mortgage advisor in Eltham, we are here to guide you through your options and help you overcome any challenges to ensure a smooth and successful outcome.”
What is included in buildings and contents insurance coverage?
Home insurance protects against damage to property (buildings) and personal possessions (contents). It offers coverage for risks such as fire, theft, and natural disasters, providing financial security for homeowners.
Why is it important to think about income protection?
Income protection offers financial stability if you are unable to work because of illness or injury. It supplies a steady income, helping to reduce financial pressure during recovery.
What factors influence the calculation of home insurance premiums?
Home insurance premiums are calculated based on property value, contents worth, location, and personal factors. Tailored quotes take into account unique risks and coverage needs for complete protection.
Can income protection provide coverage for self-employed workers?
Yes, income protection is essential for self-employed people. It offers a safety net, covering lost income during times of illness or injury, providing financial security for those without employee benefits.
Do home insurance policies include exclusions?
Yes, home insurance exclusions can include intentional damage, wear and tear, and some high-risk activities. It’s important to thoroughly check policy terms and select coverage that meets your needs.

Get in touch

Drop us a message and one of the team will be in touch.