Save Money
Borrow More
High Approval
Rates
Green property discounts
Residential Mortgages
Are you in the market for a residential mortgage? Navigating the world of mortgages can be overwhelming, but our team is here to make the process easier for you. We offer a variety of mortgage options tailored to fit your unique financial situation and goals With our expert guidance, you can feel confident in making informed decisions that will lead you the right mortgage solution. For more information, feel free to reach out to us at
Interested in Learning More?
Complete our quick enquiry form to receive a variety of mortgage quotes tailored to your needs. Our team is here to assist you and ensure your accountant can help determine how much you're able to borrow.
We conduct all necessary research and provide these quotes free of charge, with no obligation on your part.
To begin, simply fill out the form or give us a call at 0204 5533237. Let us help you make the most informed decision for your home
Why Choose Us?
As experts in residential mortgages, we offer distinct advantages you won’t find elsewhere. Our dedicated team collaborates with homeowners and their advisors daily, helping them obtain the most affordable and tax-smart mortgage options available. Choose us for personalised support and tailored solutions.
Increase Your Borrowing Power
If you take out a buy-to-let mortgage in your own name, lenders generally require you to show that your rental income can cover 145% of the mortgage payments, allowing for potential future interest rate rises.
However, by securing your buy-to-let mortgage through a limited company, this requirement is lowered to just 125% of the mortgage payments at the same interest rate.
As a result, a limited company mortgage enables you to borrow more against the same property compared to a personal mortgage.
Raise Extra Capital
Raising extra capital for residential mortgages can open up new opportunities for homebuyers and investors alike. Whether you’re looking to make a larger down payment, fund renovations, or invest in additional properties, leveraging the equity in your existing home is a viable option. By refinancing your current mortgage or taking out a home equity loan, you can access the funds needed to support your financial goals. This approach not only increases your purchasing power but also enables you to improve your existing property, potentially raising its value and enhancing your living space. With the right strategy and guidance, securing extra capital can be a powerful step toward achieving your residential mortgage objectives.
Streamline Your Experience and Eliminate Stress
With over 35 years of expertise in residential mortgages, we are uniquely qualified to identify the lenders most likely to approve your mortgage application, even as they frequently adjust rates and lending criteria.
Our current insights help us to expedite your mortgage approval process, ensuring we don’t waste your time or compromise your credit rating by approaching lenders that may be unlikely to provide approval.
Furthermore, we have a comprehensive understanding of the specific documentation each lender requires from you, which may include payslips, bank statements, and proof of identity. This expertise means you can avoid the hassle of navigating these requirements on your own.
Reduce Costs
Reducing costs for residential mortgages is a crucial step in maximising your financial efficiency and long-term savings. One effective way to achieve this is by shopping around for the best mortgage rates and terms, as even a slight difference in interest rates can lead to significant savings over the life of the loan. Additionally, consider refinancing your mortgage if rates drop or if your credit score improves, which can lower your monthly payments. Another strategy is to pay attention to associated fees, such as arrangement fees and valuation charges, and negotiate where possible. Making extra payments towards the principal can also reduce the total interest paid over time. By actively managing your mortgage costs, you can free up more of your budget for other expenses or investments, ultimately enhancing your overall financial well-being.
Adam Heslop
Excellent service - Simon was knowledgeable, thorough, clear, professional, friendly, up to date, unhurried and timely. Many Thanks, I will use him again.
Vinu
Simon French did a fantastic job with my remortgage. He was very informative and quick throughout the process. I highly recommend him.
Alison Clare
Our experience has been fantastic throughout. Simon has been very helpful and friendly and we would definitely use him again and recommend him to others.
HOW IT WORKS
1. GET IN TOUCH
Contact us directly to speak with an adviser, or simply fill out our quick one-minute inquiry form, and we'll reach out to you shortly.
2. WE'LL FIND YOU THE BEST MORTGAGE
Once we've had a brief conversation, we will leverage our advanced sourcing system to sift through thousands of mortgage options, ensuring we find the perfect fit for your needs.
3. WE'LL DO EVERYTHING
We'll handle all the heavy lifting by collecting the necessary paperwork, submitting your mortgage application, and ensuring a swift processing experience.
4. WAIT UNTIL YOUR MORTGAGE IS APPROVED
We’ll enhance your likelihood of securing the mortgage you desire and provide guidance at every stage of the process.
RESIDENTIAL MORTGAGES
Save Money
Borrow More
High Approval Rates
Green Property
Discounts
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Optima Health and Life is a trading style of Match Mortgages Limited who are authorised and regulated by the Financial Conduct Authority. FCA number (983246)
Match Mortgages Limited. Registered in England and Wales under number 14279332.
Registered address: Beechwood Cottage, Beechwood Lane, Wendover, Buckinghamshire, HP22 5QL.
Match Mortgages Limited is authorised and regulated by the Financial Conduct Authority under number 983246 in respect of mortgage, insurance and consumer credit mediation activities only.