Mortgage
what we offer ?
No matter your situation, we’re here to help you move forward with clarity.
A mortgage is a major financial commitment, and the decisions you make now can have a long-term impact. That’s why clear, reliable guidance matters every step of the way.
Get on the property ladder with a first-time buyer mortgage
Buying your first home is an exciting milestone, but it can also feel overwhelming if you’re not sure where to begin. We’re here to make the journey simple. From exploring your options to securing the right mortgage, we guide you through every stage of the process.
There’s a lot to think about as a first-time buyer deposits, affordability, property choices, and mortgage types. Our role is to break everything down clearly, help you understand your options, and find a mortgage that fits your budget and goals.
Secure your investment property with confidence
Thinking about becoming a landlord or growing your property portfolio? We’re here to help you find the right buy-to-let mortgage, whether you’re a first-time investor or already experienced.
Buy-to-let mortgages often offer interest-only options, which can keep monthly payments lower but the full loan will still need to be repaid at the end of the term. Lenders will also look at your expected rental income, typically requiring it to cover at least around 125% of your monthly mortgage payments.
Explore remortgaging options that may suit your needs
Remortgaging can be a way to review your mortgage arrangements and assess whether alternative products may better suit your current circumstances. By switching to a new deal, you may be able to manage your monthly payments or avoid moving onto a lender’s standard variable rate once your current deal ends.
You can choose to remortgage with your existing lender or consider options with a new one. Reviewing your mortgage regularly particularly when a fixed or discounted rate is coming to an end. can help you understand the options available to you and whether a change may be appropriate.
Find the right mortgage for your next move
Moving home is an exciting step, but finding the right mortgage can feel overwhelming. We’re here to help make the process clearer by guiding you through your available options.
Whether you’re upsizing, downsizing, or relocating, we’ll help you understand your choices including taking out a new mortgage or transferring (porting) your existing one to your new property. Subject to your circumstances and lender availability, we can assess products from a range of lenders to help you identify options that may be suitable for your needs.
Unlock your home’s value with equity release
Equity release allows you to access some of the money tied up in your home without having to move. It may be an option if you’re planning for retirement, funding a major project, or seeking additional financial flexibility.
We’ll guide you through how different types of equity release plans work, including the potential impact on your estate, tax position, and entitlement to means-tested benefits. Equity release is a long-term commitment and may reduce the value of your estate, so it’s important to consider whether it is right for you.
Bad credit? You may still be able to buy a home.
A less-than-perfect credit history doesn’t automatically mean homeownership is impossible. Lenders assess applications on an individual basis, taking into account your full financial circumstances.
We support clients who have experienced financial difficulties in the past, such as missed payments, defaults, or CCJs. We’ll take the time to understand your situation, explain the options that may be available to you, and help you explore whether a suitable mortgage solution exists.
Independent Expertise You Can Trust
As independent, whole-of-market advisers, we’re not tied to any single lender or insurer.
We work with an unlimited number of providers, allowing us to compare products, criteria, and pricing across the market. This means our advice is focused entirely on your needs - recommending the mortgage or protection solution that best suits your circumstances.
12,000+
Mortgage products
100%
Tailored service
100+
Mortgage lenders
20+
Available insurers
why choose us?
There are 4 simple steps to comparing your mortgage
Our goal is to make the mortgage process clear and stress-free. We’ll show you a straightforward comparison of your options — outlining the pros, cons, and key details — so you can make a confident, informed decision that suits your needs.
1
Getting to know you
We’ll arrange an appointment at a time that suits you to understand your needs and circumstances in detail. Phone, virtual, or face-to-face whatever works best for you.
2
We search the whole market
As a whole-of-market broker, we’re not tied to any lender. We compare products from banks, building societies, and specialist lenders to find the best options for you.
3
We’ll make our recommendation
Once we've found the right mortgage, we’ll explain everything clearly including features, benefits, and why it’s the most suitable choice for your needs.
4
With you every
1 step of the way
From application to completion, our dedicated team is here to support you. Whatever you need, whenever you need it. we’re here to help.
Client Satisfaction
Tailored Solutions
Trusted Customer Support
Your Mortgage Journey Starts Here
Personalised solutions designed around your goals
Clear, expert guidance from start to finish
Access to competitive rates across a wide range of lenders
Frequently Asked Questions
Do I need life insurance?
If you weren’t here tomorrow, how would your family pay the mortgage, household bills, or everyday living costs?
Life insurance isn’t a legal requirement, but it’s often recommended if you have dependants or financial commitments. It provides a tax-free lump sum to your loved ones, helping them maintain financial stability and protect their home.
What’s the difference between life insurance and critical illness cover?
Life insurance pays out if you pass away during the policy term.
Critical illness cover pays a lump sum if you’re diagnosed with one of the serious illnesses listed in the policy.
Many people choose both so they’re protected if they pass away or if they survive a serious illness but cannot work.
How much cover do I need?
Would your family be able to cope financially?
The right level of cover depends on your income, outgoings, debts, dependants, and future plans. We’ll help you calculate a level of protection that safeguards your lifestyle without paying for more than you need.
What is income protection and how does it work?
If illness or injury meant you couldn’t work, how would you pay your bills?
Income protection provides a regular monthly payment to help cover everyday living costs while you’re unable to work. It continues until you return to work or reach the end of the policy term, depending on the policy chosen.
Is protection expensive?
Protection is often more affordable than people expect.
Premiums vary based on age, health, occupation, and level of cover. We compare policies across the market to find suitable options that fit your budget and priorities.
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Thank you for choosing us. Whether you need help with mortgages or protection, we’re always here to assist you.
Legal
Legal
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Registered in England and Wales
LL Financial Solutions Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK
Registered office address - Ll Estates Ltd, High Street, Rhuddlan, Denbighshire, LL18 2UA
Registration number – 08493481
Mortgages - For our advice services we will charge a fee of £580. The fee is payable on application for an accepted mortgage.