Our Mortgage Partners

What extra benefits could I get with my Mortgage?

  • Bad Credit Icon

    Bad Credit Specialist

    We’ve got over 20 years of specialist experience in helping customers with poor credit history or a low credit score

  • Self Employed Icon

    Self-Employed Mortgages

    Our carefully selected panel of TOP mortgage lenders is specifically chosen to be able to access great deals for self-employed

  • Buy to Let Icon

    Buy to Let Mortgages

    You will get expert advice from one of our team of fully qualified buy to let and investment property mortgage specialists

How to get my mortgage?

We have helped thousands of customers to get the mortgage and protection that they need for their homes or families. Getting the right advice can make a huge difference to how much you pay each month and how long your application takes.

Speak to a fully qualified mortgage expert

Our team of fully qualified mortgage experts has over 20 years experience and expertise in helping customers to get the best deals.

Call us FREE on 0800 009 6559

Our office opening hours:

  • Monday to Thursday 8am to 7pm
  • Friday 8:30am to 5:30pm
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Types of Mortgages

  • Fixed Mortgage Deals

    Some people want security with their finances and this is the main reason why you would choose a fixed rate mortgage. There is nothing more predictable than know your biggest household expense won’t increase for a period of time.

  • Discount Mortgage Deals

    There are options to be able to get a reduced rate on your mortgage for a period of time after you take it. This is commonly known as a discount mortgage deal and usually will be at least one or two percentage below the lenders standard variable rate.

  • Tracker Mortgage Deals

    There are mortgage deals that will offer you the ability to track the Bank of England (BofE) Base Rate. This will be a variable mortgage so rates can go up as well as down in line with what is happening to UK interest rates.

  • Standard Variable Rate Mortgages

    Each mortgage lender has their own rate called a Standard Variable Rate, which is the rate that every mortgage reverts to. Once your mortgage deal has come to an end then you will automatically go to this rate.

Get your mortgage sorted with iam|MORTGAGES

  • New Mortgages Icon

    New Mortgages

    Getting a mortgage to buy your new family home can be one of the most exciting times of your life. This can also be confusing as most people don’t know which mortgages are best or how to get the right deal.

  • Remortgages Icon

    Remortgages

    Once your mortgage deal comes to an end then you should be reviewing your mortgage to get the best deals. Every mortgage lender offers special rates such as fixed or discount rate deals which can save you thousands of £s.

  • Buy to Let Icon

    Buy to Let Mortgages

    Property investors have been a major part of the UK housing market for decades and the need for competitive Buy to Let mortgage deals is growing. Making the most of your property portfolio is an extremely important part of investment.

Daniel Sharpe-Szunko

Expert Mortgage Advice

“Getting the right mortgage advice can make a huge difference to you and your family when buying a home or remortgaging. It can be a difficult and confusing time for many, so getting the right advice from someone you can trust is important. There are literally thousands of different deals and options to finding the best mortgage can seem like finding a needle in a haystack. Our experts will help you to find the best deal and save you the hassle of searching through endless options.”

– Daniel Sharpe-Szunko CeMAP, Mortgage guru

Mortgage options and deals

Finding the right mortgage can be extremely confusing and sometimes frustrating, especially with so many options to choose from.

  • Annual Percentage Rate (APR)

    There is a simple way to compare the cost of all mortgage deals to each other which is the Annual Percentage Rate (APR). This is a universal figure that is used to compare all types of credit by factoring in all costs, fees, and charges.

  • Mortgage Costs

    Most mortgage deals have other costs and charges that you will need to factor in when you are comparing one to another. Some of the most common and biggest charges are Early Repayment Charges (ERCs) and Mortgage Fees.

  • Credit Score

    Every person in the UK will be registered with a credit reference agency such as Experian or Equifax. This service will provide a ‘Credit Score’ which will show how creditworthy you are based on your credit and repayment history.

  • Affordability

    Your affordability will be a calculation based on your income and your expenditure every month. Every lender has their own affordability criteria which means that some lenders may offer a bigger mortgage than others.

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