Mortgage Advice
Buying a home is one of the biggest financial decisions you’ll ever make. Whether it’s your first step on the ladder, a move to your dream home, or helping your children into theirs, we’re here to help make it happen – clearly and confidently.
Straight up, simple mortgage advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why it's important to have a plan
Mortgages can be a maze. Fixed or tracker, interest only or repayment, standard or something a bit more specialised. Especially when rates are always in the news.
We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a procuration fee by the lender.
Whether you're employed, self-employed, buying to let*, building your own home, or investing in a UK holiday property, our experienced advisers will guide you through your options.
Whatever you need, we’ll help you through start to finish, handling paperwork, liaising with solicitors, managing timescales, and keeping things on track.
Shine a light on your options.
Your home or other property may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
What we can do for you
First Time Buyers
You could be buying your first home, or you could be helping a loved one purchase theirs, we can help you find the right mortgage for your needs.
Remortgaging
Looking to release equity, fund property renovations, or cut your monthly costs? We’ll help you unlock better rates and handle everything from application to completion – minus the stress.
Buy to Let Mortgages
Are you wanting to invest in property? We offer tailored mortgage options for landlords, whether you’re new to it or a seasoned pro.
Self-Build or Holiday Homes in the UK
If you’re building your dream home or investing in a UK holiday property, we can help you find the right finance solution and guide you through each step.
Helping Family
Maybe you’re wanting to help loved ones get onto the property ladder. If that’s the case, we’ll help you explore smart ways to support them financially, in a way that works for everyone.
Expats, Commercial Property & Overseas Homes
If you are looking to invest in commercial or overseas property, we can connect you with trusted specialist services designed to navigate every detail.
Your home or other property may be repossessed if you do not keep up repayments on your mortgage.
Commercial and some buy to let mortgages are not regulated by the Financial Conduct Authority.
All mortgage enquiries for commerical and overseas homes will be referred to a service that is separate and distinct to those offered by St. James’s Place.
Ex pat mortgages are subject to certain terms and conditions being met.
