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Residential Mortgages

Residential Mortages

A residential mortgage is essentially any mortgage which is secured against your primary residence. As this is the roof over yours & your families head the correct advice, now & in the future is vitally important in securing your financial future.


Experienced, Proffesional & Friendly Mortgage Advisors

We arrange residential mortgages for people in all situations, including:


First Time Buyers – there are so many offers and different types of mortgages out there for first time buyers, and while this is a good thing, it can become confusing. This is where a mortgage adviser will come in and take the pressure off you, from finding you the best residentail mortgage for you, to helping you arrange a solicitor, we will be with you every step of the way. Understandably, if you’ve not bought a house before you are probably unaware of the process, this will be explained to you in plain English so there are no nasty surprises down the line. We will even speak to estate agents & vendors on your behalf if you like!


Homemovers – buying your second or subsequent home can still be a daunting task, not only are you buying a home but you are selling one as well! Our market proposition will allow us to search the market place to see what is the best mortgage for you, and at the same time our mortgage advisers can help you arrange a solicitor to deal with the sale and purchase, and speak to Estate Agents on your behalf. We try to make your move as seamless as possible for you by doing all the leg work.


Remortgage – whether you are just looking for a cheaper interest rate, or you are looking to unlock some of the equity in your home, our wealth of experience will allow us to search the market and find the deal that is right for you. In times gone by, people have often remained with their existing lender throughout the term of their mortgage, just for the ease of not having to shop around and apply elsewhere, with many lenders now offering incentives such as free legal costs and free valuations, the process of a remortgage might not be as laborious of you may have thought, especially when we will deal with all the paperwork on your behalf.


Specialist Schemes– whether you are looking to take advantage of the current government backed help to buy schemes, have been offered the right to buy your house or are considering shared ownership options we will have a mortgage advisor who has the right level of knowledge & experience to guide you through the different options available. We can assess whether you qualify, advise on any advantages or pitfalls & ultimately find the best mortgage for your circumstances.


Further Advance/Secured Loan – Sometimes even the best forward planning yields situations where finance is required outside of your main mortgage product. Your mortgage advisor will be able to source & recommend the best product available to bridge this gap in the interim, be this with your existing lender in terms of a further advance or through the leading providers from the marketplace. We will also advise the best way to incorporate this into your main mortgage product moving forward in the future.


How can we help you?

Send us a short email to enquiries@atmortgages.co.uk with your queries or give our residential mortgage advisers a call on 02380 443331.



Our fees and charges vary depending on the Service we provide to you. We typically charge a fee for mortgage advice of up to £995 payable on completion. Our typical fee is £495. A booking fee of £99 is also payable on application to cover the initial administration of your mortgage.