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By submitting this form and based on your requirements you will shortly be contacted by an FSA Authorised Mortgage Broker and agree to our Client Agreement and Privacy Policy. Mortgage affordability calculators don't take into account your credit status. The only way to find out how much you can borrow is by asking Let's Talk Mortgages UK to secure you an "Agreement in Principle" from a UK lender.

Compare the Whole UK Mortgage Market

Free quotes and advice

There is no doubt that mortgages can be confusing. With so many products available, it is difficult to know which is best suited to your needs. That is where the danger lies - a wrong decision could end up being a very costly error. The best course of action it to seek independent professional mortgage advice before making any decision.

Free, and immediate information on the very latest mortgage deals from all UK lenders.

Residential Mortgage & Remortgage Rates from 1.89% overall cost for comparison 3.1% APR.

90% deals for First Time Buyers. Variable rate from 4.63%. APR 4.35%. Phone 01382 480430 or complete the enquiry form.

Buy-To-Let Mortgage & Remortgage Rates from 3.74% overall cost for comparison 4.9% APR

Phone 01382 480430 for further details or complete the enquiry form.

Mortgage Services

Expert advice from an FSA authorised mortgage adviser.

First Time Buyers, Next Time Buyers, Professionals, Graduates & Armed Forces Personnel.

Adverse credit, CCJ, IVA or missed mortgage payments? We can still help you find the best deal.

Free income/expenditure planner!

Bespoke Mortgage Sourcing Service

Have you got the time to research the thousands and thousands of mortgage deals available in the UK today? Probably not and where do you start?

At LTM we offer a unique Bespoke Mortgage Sourcing System. We have the latest technology to do this for you. We don't make an appointment to come and see you and we don't ask you to come and see us. We are not a search engine, taking your details and passing that information on to someone else. We are a Whole of Market Mortgage Brokerage offering you a complete service. We can research and recommend a lender that best suits your circumstances. We can also recommend whatever insurances you will require from our panel of insurers.

people_house Whether you are a first-time buyer looking for a new mortgage or aiming to switch mortgage at the end of a deal with an existing lender you will want to find the best mortgage to match your needs. That's not always as easy as it seems. The financial crisis has had a massive impact on the mortgage market. There are fewer mortgages available and lenders are more cautious about the amount they'll lend and who they'll offer mortgages to. It’s a bit of a mortgage maze.

A first time buyer may want to secure a fixed rate mortgage and an existing borrower may just want a cheaper remortgage deal, if possible. Those with bad credit will be looking for a specialised lender willing to give them a chance.

All borrowers, regardless of personal status want to be able to compare the best mortgages on the market and find out what suits them. This is where our bespoke mortgage sourcing service will help. It covers the entire market – fixed, tracker, variable, flexible, share ownership etc. To find the right deal complete the enquiry form or phone 01382 480 430.

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Once we have all the information we will research the market and recommend a high street lender that best suits your needs. We will email you a computerised mortgage quote, which will give you enough information to make a decision. Now that you have chosen the lender we will complete an initial application which will allow the lender to credit check you and issue an "Agreement in Principle" certificate if successful. This is not an offer of loan and is only based on the information you have supplied. If all goes well you will proceed to full application. Once all the information has been confirmed and their mortgage underwriters are satisfied they will offer you a mortgage loan.

CHECK YOUR CREDIT SCORE FOR FREE - Use our Experian banner (at top right hand side)

Are you are on the electoral role? Do you have any credit issues? Have a good employment history? Conducted your banking satasfactory? Too many mortgage enquiries where your credit has been checked can effect your credit score.

Insurance

Lenders will try and sell you their insurances, truth be told it tends to be on the expensive side. As a Mortgage and Insurance Brokerage we will research our range of insurers to ensure you get the best rates for your Mortgage Protection, Income Protection, Unemployment Cover and Buildings & Contents Insurance etc.

No matter what your circumstances, complete a Free Enquiry Form online or phone 01382 480 430 and have a conversation with a Mortgage Broker.

You are now departing from the regulatory site of Let's Talk Mortgages. Neither Let's Talk Mortgages nor Financial Network Protection Ltd. is responsible for the accuracy of the information contained within the linked site.

Think carefully before securing other debts against your home. Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. We are paid commission by the lender or you can pay a fee, typically 0.5% of the loan.

The FSA do not regulate legal advice, secured loans and buy-to-let mortgages. FSA consumer site - www.moneymadeclear.fsa.gov.uk

The advice and or guidance contained within this site is subject to U.K. regulatory and is therefore targeting consumers based in the U.K.

Let's Talk Mortgages is an Appointed Representative of Financial Protection Network Ltd which is authorised and regulated by The Financial Services Authority. Financial Ltd is entered on the FSA register (http://www.fsa.gov.uk/register/) FSA Registration No: 435807.

Neither Let's Talk Mortgages, nor Financial protection network Ltd are responsible for the content of the adverts, or the sites they advertise. That the adverts are for information only and do not constitute any individual recommendation. No investment decision should be taken based on the content of this site. Always take full individual advice first. The regulations governing tax rates and investments may change in the future.