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Your Experienced Mortgage Advisor in Greenwich

We’re all about relationships

Welcome to The Mortgage Consultancy, your knowledgeable mortgage advisor in Greenwich. Drawing on over 40 years of expertise, we offer tailored guidance to first-time buyers, homeowners, property investors, and businesses in Greenwich. Whether you’re purchasing a home, refinancing, or exploring property investment opportunities, we’re here to support you. As your trusted mortgage advisor in Greenwich, we take time to understand your financial goals and the unique dynamics of the local market. By providing clear and relevant advice, we aim to make the mortgage process straightforward and help you secure a solution that works for you.

Reliable Mortgage Services in Greenwich

Mortgage Guidance You Can Trust in Greenwich
The Mortgage Consultancy offers professional mortgage advice to residents of Greenwich, helping you navigate the property market with ease. Whether you’re a first-time buyer, a homeowner looking to remortgage, or an investor expanding your portfolio, our dedicated team is on hand to support you. We take the time to understand your financial situation and recommend options that suit your individual needs. With access to a broad selection of lenders, we focus on finding competitive solutions that work for you. Our goal is to simplify the mortgage journey, providing clear advice and expert guidance throughout.

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!
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Assisting First-Time Buyers in Greenwich with Mortgage Options

For first-time buyers, understanding the mortgage market can be challenging, but expert advice can simplify the process. Choosing a mortgage advisor in Greenwich gives you access to professional guidance throughout your home-buying journey.

At The Mortgage Consultancy, we focus on supporting first-time buyers with mortgages suited to their personal requirements. We take the time to evaluate your financial circumstances and explain your options in a way that’s easy to understand.

We also help you explore first-time buyer schemes and shared ownership, which can offer valuable support in securing your first home.

With our deep understanding of the Greenwich area, we provide tailored advice, ensuring you find competitive mortgage rates and terms. Whether you’re considering a fixed-rate mortgage or a flexible option, we’re here to support your journey to homeownership.

Remortgage Options  for Homeowners in Greenwich

If you’re in Greenwich and considering remortgaging, working with a trusted mortgage advisor in Greenwich is essential for making informed and confident decisions.
Whether your goal is to lower monthly repayments, secure a more favourable interest rate, or release equity from your property, a mortgage advisor in Greenwich can offer the support you need throughout the process. At The Mortgage Consultancy, we specialise in finding remortgage solutions that match your individual needs. We evaluate your current mortgage and recommend the most suitable options available in the market. If you’ve been with your lender for years, you might be overlooking more competitive deals. A mortgage advisor in Greenwich can help you reassess your mortgage and explore better opportunities for savings. With our comprehensive knowledge of the Greenwich property market, we provide personalised advice, ensuring you secure a remortgage deal that suits your financial situation.

Buy To Let Mortgage Support for Landlords in Greenwich

For those looking to invest in property and generate rental income in Greenwich, a buy-to-let mortgage is the best way to finance your purchase. These mortgages are tailored for properties you plan to rent out, unlike mortgages for personal residences. Whether you’re new to property investment or looking to add to your portfolio, a mortgage advisor in Greenwich can provide valuable advice and guide you through the process.

Our mortgage advisors in Greenwich will take the time to understand your investment goals, helping you secure the most suitable mortgage for your needs.

When applying for a buy-to-let mortgage, lenders consider factors such as the property’s potential rental income, your financial background, and the type of property you’re purchasing. You’ll generally need a larger deposit and a solid credit history. With the support of a mortgage advisor in Greenwich, we ensure you meet these requirements and access the most suitable rates available.

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

Mortgage Services  for Homeowners in Greenwich

At The Mortgage Consultancy, we offer expert support as your dedicated mortgage advisor in Greenwich.

Our team focuses on providing personalised advice to first-time buyers, homeowners, and property investors. We simplify the mortgage process, making it easy for you to secure a mortgage that fits your needs and goals.

As your mortgage advisor in Greenwich, we take time to understand your unique financial situation and provide tailored guidance at every step of the way. Whether you’re buying a new home, remortgaging, or exploring buy-to-let opportunities, we offer expert advice on the most suitable options available.

With access to a broad network of lenders, we help you find competitive mortgage rates and the most fitting products for your circumstances. With our help, you can confidently make decisions that will ensure your homeownership goals are achieved.

As a first-time buyer in Greenwich, the mortgage process can be complex, but working with a professional mortgage advisor in Greenwich can simplify it significantly.

Our team at The Mortgage Consultancy is dedicated to providing first-time buyers with expert guidance. As your mortgage advisor in Greenwich, we will take the time to understand your financial situation and ensure that you understand all your mortgage options.

We also offer valuable insights into government schemes and shared ownership, which can help first-time buyers access more affordable options.

With our local expertise, our mortgage advisors in Greenwich help you secure competitive rates, ensuring that your mortgage fits both your financial needs and long-term goals.

How we can help

Residential Mortgages

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

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Buy To Let

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

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Insurance & Protection

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

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Later Life Lending

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

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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.

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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.

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10 Mortgage Myths Debunked

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

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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.

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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 is involved in getting a mortgage in Greenwich?
A mortgage is a loan that is secured against your home, often used for buying property or unlocking equity for projects like renovations. If you’re considering a mortgage in Greenwich, seeking advice from an experienced mortgage advisor will help you assess all available options and make an informed decision. As your dedicated mortgage advisor in Greenwich, we support you through every stage of the mortgage process. Whether you’re purchasing your first home or looking to remortgage, our team is committed to offering personalised guidance to help you secure the right mortgage solution.
Will I be eligible for a mortgage in Greenwich?
Several factors contribute to mortgage approval, including your credit rating, income, and current debts. Lenders use this information to decide whether to approve your application and which mortgage product would work best for you. As a trusted mortgage advisor in Greenwich, we’ll provide step-by-step assistance throughout the approval process. Our experienced team will explain what’s required and help you secure the most suitable mortgage based on your financial profile, whether you’re buying your first home or remortgaging.
How does the mortgage application journey unfold in Greenwich?
The mortgage application process has a few key stages: beginning with an initial consultation with a broker, obtaining a decision in principle, submitting required documents, scheduling the property valuation, and finalising your mortgage application. As a professional mortgage advisor in Greenwich, we’re here to support you at every step. Our team is dedicated to ensuring that you fully understand the process, making it as straightforward and hassle-free as possible.
What is the borrowing limit for a mortgage in Greenwich?
Your mortgage borrowing capacity is influenced by several factors, including the property’s value, your deposit size, and your financial profile, which takes into account your income, outstanding debts, and credit score. As a knowledgeable mortgage advisor in Greenwich, we’ll guide you through the process of evaluating these key factors and help you explore mortgage options tailored to your financial needs and goals.
How large should my deposit be for a mortgage in Greenwich?
The larger the deposit you provide, the smaller the mortgage loan you’ll need. A 5% deposit is often enough for first-time buyers, though 10%-25% is more common. A larger deposit may also help you obtain more competitive interest rates. As your experienced mortgage advisor in Greenwich, we’re here to explain how your deposit impacts your mortgage options and ensure you secure the most appropriate deal based on your financial circumstances.
What does a buy-to-let mortgage mean in Greenwich?
A buy-to-let mortgage is tailored for property investors who plan to rent out their property. Unlike residential mortgages, these loans are based on the rental income potential and the property’s investment value. As an experienced mortgage advisor in Greenwich, we’ll walk you through the key differences between a buy-to-let mortgage and a residential mortgage, helping you secure one that aligns with your property goals.
What is the borrowing limit for a mortgage in Greenwich?
Your borrowing potential for a buy-to-let mortgage is determined by key considerations like property value, rental income, and your financial profile. Lenders factor these into their decision to ensure you can comfortably manage repayments. As a reliable mortgage advisor in Greenwich, we’ll help you navigate these factors, providing insight into how they affect your mortgage options and assisting you in securing a suitable buy-to-let mortgage for your investment plans.
Why are interest rates higher for buy-to-let mortgages?
Mortgage rates for buy-to-let properties are often higher, as lenders tend to consider them riskier investments. A larger deposit and solid financial credentials may improve your chances of securing a lower rate. As your expert mortgage advisor in Greenwich, we will assist you in understanding these factors and help you access a buy-to-let mortgage that suits your needs.
Is living in a buy-to-let property an option?
Usually, no. Buy-to-let mortgages are for properties intended for rental, and residing in the property could violate the terms of the agreement.
What tax implications come with securing a buy-to-let mortgage in Greenwich?
Taxation on rental income is applicable, but with recent changes to mortgage interest relief, the implications for your buy-to-let property may differ. It’s vital to understand how this affects your financial strategy. As a reliable mortgage advisor in Greenwich, we advise consulting with a financial expert to ensure you effectively manage both your mortgage and tax duties.
What are interest rates like?
Bridging loan interest rates are generally higher than conventional mortgage rates, primarily due to their short-term structure and fast processing times. Your credit profile and the lender’s terms will affect the rate you’re offered. As a dedicated mortgage advisor in Greenwich, we will help you understand your options and guide you towards finding a bridging loan with the terms that best suit your needs.
What role does bridging finance play in property deals within Greenwich?
Bridging finance is a flexible short-term loan option used in property transactions but can also be applied to business or renovation projects, depending on the lender’s terms. As a trusted mortgage advisor in Greenwich, we’ll provide personalised advice, ensuring you understand how bridging finance can be adapted to suit your financial needs.
What should I expect if I can't repay my loan by the due date?
“If you’re unable to meet the repayment deadline for your bridging loan, you may consider options like refinancing, loan extension, or property sale. It’s crucial to stay in close contact with your lender to choose the right path forward. As a trusted mortgage advisor in Greenwich, we provide guidance to help you understand your options and navigate any challenges for a successful resolution.”
What type of protection does buildings and contents insurance offer?
Home insurance covers damage to buildings and personal possessions (contents). It protects against various risks, including fire, theft, and natural disasters, ensuring homeowners are financially protected.
What are the benefits of having income protection?
Income protection offers a safety net if you’re unable to work due to illness or injury. It provides a regular income, helping to relieve financial worries during your recovery.
How is the amount for home insurance premiums decided?
Home insurance premiums are based on factors like property and contents value, location, and personal details. Bespoke quotes account for specific risks and coverage needs, offering complete protection.
Does income protection extend to self-employed workers?
Yes, income protection is important for self-employed workers. It covers lost earnings during periods of incapacity, providing financial stability in the absence of employee benefits.
Do home insurance policies have specific exclusions?
Exclusions in home insurance can cover deliberate damage, wear and tear, and certain risky activities. It’s essential to read the policy terms closely and select the coverage that fits your needs.

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