Do I need a mortgage adviser?

While you can apply directly to a lender, a mortgage adviser has access to a wider range of products across the market. We can often find deals that aren't available directly and guide you through the process from start to finish.

Why should I review protection when I take out a mortgage?

Your mortgage is likely the largest financial commitment you'll make. If you became seriously ill, had an accident or passed away, who would pay it? Protection such as life insurance, critical illness cover and income protection can ensure your mortgage is covered no matter what happens.

Can self-employed people get a mortgage?

Yes. Many lenders accept self-employed applicants, though they may require two or more years of accounts or tax returns. We work with lenders who have experience assessing self-employed income and can help present your application in the strongest way.

What is the difference between a repayment and interest-only mortgage?

With a repayment mortgage, you pay off the capital and interest each month, so the mortgage is fully repaid at the end of the term. With an interest-only mortgage, you only pay the interest and need a separate plan to repay the capital at the end.

How much does mortgage advice cost?

We'll discuss our fees with you before we start. Our advice is clear and transparent, with no hidden costs.

Mortgage Advice

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Mortgage Advice With Protection Built In

At Elevare Financial, we believe your mortgage and your protection should work together. Too many homeowners take out a mortgage without reviewing the cover they need to protect it, and their family, if something goes wrong.

First-time buyer, moving home, remortgaging or investing in property. We'll help you find the right mortgage and make sure the right protection sits alongside it.

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First-Time Buyers

Buying your first home is exciting, but the mortgage process can feel overwhelming. We guide you through every step, from working out how much you can borrow to finding competitive rates and completing the application. We'll also look at the protection worth having in place before you move in.

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Home Movers

Moving home usually means reviewing your mortgage and your protection too. We help home movers secure the right deal and check that life insurance, critical illness cover and income protection still fit your new circumstances.

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Remortgages

If your current mortgage deal is ending or you want to release equity, remortgaging can save you money, and it's also a good time to review your protection. We'll compare options across the market and make sure your cover is up to date.

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Self-Employed Mortgages

Getting a mortgage when you're self-employed can be more complex, but it's far from impossible. We work with lenders who understand self-employed income and can assess your application fairly. Sole trader, partnership or limited company director, we'll help you find the right lender and the right protection.

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Buy-to-Let Mortgages

For landlords and property investors, buy-to-let mortgages require specialist advice. We help you find competitive rates, understand the lending criteria and review the protection you need to safeguard your rental income and property portfolio.

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Clear, personal mortgage advice from your first conversation through to completion.

Why Protection Should Be Reviewed Alongside Your Mortgage

Your mortgage is likely the biggest financial commitment you'll ever make. Life insurance can repay the mortgage if you pass away, critical illness cover can provide a lump sum on serious diagnosis, and income protection can replace your earnings if you're unable to work. At Elevare Financial, protection isn't an afterthought. It's part of the conversation from day one.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The Elevare Difference

Advice built around you

First-time buyer, remortgaging or moving home. We build advice around your situation.

Access to a broad range of lenders

We compare options across the market to find a mortgage that fits your circumstances.

Guidance throughout the application

We support you from first conversation to completion, helping things move smoothly.

Protecting your home and mortgage

We connect your mortgage to the life and income cover that protects it.

Frequently Asked Questions

Ready to Discuss Your Mortgage Options?

Buying your first home or reviewing your current mortgage? We'll talk through your options and find a deal that genuinely suits your circumstances.

Book a Free Mortgage Appointment Speak to an Adviser

Review My Mortgage Options

Tell us about your mortgage needs and a member of the team will be in touch to discuss your options.

Please do not include medical or other sensitive personal information in this form. An adviser can collect any information required securely later.

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