We help clients across the UK find mortgage options that suit their circumstances, whether you are buying your first home, moving, remortgaging, investing, or your situation is a little more complicated.
Deposits, affordability, an Agreement in Principle and what actually happens after your offer is accepted. We will tell you what you can realistically borrow before you start viewing.
We look at fees and overall cost rather than the headline rate alone, and start early enough that you are not moved on to the standard variable rate by default.
Deposit requirements, how rental income is assessed and where limited company buy-to-let fits. We keep tax guidance general and will tell you when to speak to an accountant.
Sole traders, company directors and contractors are all assessed differently, and lenders vary more here than almost anywhere else. We know which ones read income the way yours is structured.
Porting an existing mortgage, borrowing more or less than last time, and timing the mortgage around a chain that rarely moves at the speed anybody planned for.
What matters is the type of issue, the amount, how long ago it happened and where you are today. Some lenders will consider cases others will not. We will tell you honestly where you stand.
Life cover, critical illness cover and income protection, explained without scare tactics, so you can decide what is worth having and what is not.
You could approach a lender directly. Here is what having an adviser alongside you actually changes.
You deal with people who know your case, rather than starting the story again every time you call.
Income, credit history, plans and timings all shape what is realistic. Advice only makes sense once we understand the situation.
No jargon and no assumed knowledge. You will know what is happening at each stage and what is needed from you next.
We talk through the options available based on your circumstances, and what each one would mean in practice.
From first enquiry through the application, the paperwork and the offer, we stay involved until it completes.
Lenders assess applications differently. We look at which of them are likely to consider a case like yours.
Speak to the team about your property plans, your finances and your circumstances. Nothing is too complicated to mention, and nothing you tell us puts you under any obligation.
We research suitable mortgage options based on what you have told us, then explain what each one would mean month to month and across the full term.
We guide you through the application and the documents the lender asks for, and chase the parts that need chasing so you are not left wondering where it has got to.
We stay with the case through valuation, offer and the legal work, supporting you through the rest of the process and on to completion.
Mortgage applications are not always straightforward, and a complicated situation is not the same as a hopeless one. If any of this sounds like you, it is still worth a conversation.
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“We cut delivery time while maintaining top standards.”
“The collaborative features keep our team aligned.”
Straightforward answers to the questions we are asked most. Still not sure where you fit? An adviser will talk it through with you.
Speak to an AdviserMost lenders work from a multiple of your income, then check the payments are affordable alongside your outgoings, credit commitments and any dependants. Deposit size, the length of the term and how your income is made up all affect the figure, which is why two people on the same salary can be offered different amounts. An adviser can give you a realistic range for your circumstances before you start viewing properties.
As a general guide, most residential lenders look for at least 5% of the property price, and a larger deposit usually opens up a wider choice of deals. Buy-to-let normally requires considerably more. Remember to budget for the other costs of buying too, such as solicitors' fees, searches, valuation fees and any Stamp Duty that applies to you.
Yes, being self-employed does not prevent you from getting a mortgage. Lenders assess self-employed income in different ways depending on whether you are a sole trader, a company director or a contractor, and on how many years of accounts or tax calculations you can provide. Because their approaches vary so much, advice matters more here than almost anywhere else.
It depends on your circumstances. What generally matters is the type of credit issue, the amount involved, how long ago it happened, your situation today, your deposit and your income. Some lenders will consider applications that others will not. We will look at your case honestly and tell you where you stand rather than leaving you guessing. Eligibility always depends on individual circumstances and lender criteria.
Many people start looking around six months before their current deal ends, so there is time to arrange something before they move on to the lender's standard variable rate. You might also consider remortgaging if you want to borrow more, change your term, or your circumstances have changed. Compare the overall cost including any fees, not just the headline interest rate.
An adviser looks at your circumstances, explains the options available to you and handles the application and paperwork with the lender. That is particularly useful if your income is not a straightforward salary, if your credit history is not perfect, or if you simply want someone to tell you what happens next at each stage.
Typically proof of identity and address, recent payslips and bank statements, and details of your deposit and any existing credit commitments. If you are self-employed you will usually be asked for tax calculations and tax year overviews, or company accounts. We will give you a clear list at the start so you are not chasing paperwork later.
Whether you are buying, moving, remortgaging or you simply want to understand your options, speak to the ICE Mortgages team. No jargon, no pressure, just a straight conversation about what is possible.