High-Value Mortgages

A mortgage broker gives you access to a wide range of lenders and deals, including some that aren’t available directly to the public. They compare options on your behalf, help you understand what you can afford, and guide you through the application process from start to finish.

Using a broker can save you time, reduce stress, and improve your chances of approval.

You can usually secure a new mortgage deal around 3–6 months before your current deal ends. Many lenders allow you to lock in a new rate in advance, which can help you avoid moving onto a higher standard variable rate.

Speaking to an adviser early ensures you have time to review your options and secure the most suitable deal.

When applying for a mortgage, you’ll usually need:

1. Proof of identity – Passport or driving licence
2. Proof of address – Recent utility bill or bank statement
3. Proof of income – Payslips (usually last 3 months) and latest P60
4. Bank statements – Typically last 3 months
5. Proof of deposit – Savings statements or gifted deposit letter (if applicable)
6. Self-employed applicants – SA302s or tax returns and business accounts