Free Expert Mortgage Advice
Explore the current mortgage deals available with our mortgage calculator. Get an idea of rates and terms that might be the best fit for your needs and circumstances.
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Access To The Whole Mortgage Market
Free Expert Mortgage Advice Tailored To You
First Time Buyer
Finding you the best First time buyer mortgage for free
- We'll provide you with a personalised mortgage recommendation from the best first time buyer rates
- Manage your first time buyer mortgage application from agreement in principle to completion
- Get the keys to your new home fast and free
Remortgage
Quick and easy remortgage with ease
- We can save you thousands over the term of your mortgage
- We'll find the right lender with the best rate for you and manage your entire remortgage application from start to completion
- Rest easy knowing we have access to the whole mortgage market providing you with the best deal
Moving Home
Helping you move home Fee free
- We'll provide you with a personalised mortgage recommendation from the best home mover rates
- Manage your home mover mortgage application from agreement in principle to completion
- Get the keys to your new home fast and free
Insurance
Complete protection you can trust
- Personalise your insurance options to proctect your family home
- Find you the right cover at the right cost
- Arrange your insurance at the same time as your mortgage application
Why Trust Us?
When you partner with us, you’ll gain access to a wide range of mortgage products, designed to cater to various needs, including first-time buyers, remortgages, and more. As with many brokers, we receive compensation from the lender upon the successful completion of your mortgage. What sets us apart from other mortgage brokers is our commitment to providing our customers with a fee-free service.Â
- Truly Free
We won’t impose fees for our mortgage advisory service. Count on Us.
- Expertise You Can Trust
Always receive guidance from a seasoned mortgage professional, Time-Saving.
- Saving You Time
We’ll streamline the process with expert advice and assistance. Thousands of Options We’ll evaluate, advise, and organise the optimal mortgage for you from a vast selection of deals.
- Outstanding Service
Consistently going the extra mile, we offer expert advice and reassurance in the complex mortgage world. Clients appreciate our efficiency, professionalism, and proactive approach.
Simple 2 Step Mortgage Process
We find your perfect mortgage out of 10,000 options from across the whole mortgage market!
Tell us about you and the home you're looking to buy, and we'll set you up with your own free mortgage broker.
We're a whole-of-market broker, so we have access to almost every mortgage on the market. We even have access to exclusive rates from your own bank that your own bank won't offer you when you go direct.
Our team of experts do all the applying & following up
We submit the application for you, then pester the bank for updates until your keys of your forever home are in your hand. Your mortgage broker stays by your side the whole way, keeping you in the loop.
Frequently Asked Questions
A mortgage is a loan secured against your property that facilitates home purchases. Explore our mortgage calculator to estimate rates and monthly payments.
Lenders evaluate factors like property cost, income, and deposit size. Use our mortgage calculator for a quick estimate of your borrowing potential.
Remortgaging involves switching your existing mortgage to a different lender. Contact us to learn more about remortgage rates and associated fees for a seamless process.
Conveyancing is the legal work handled by solicitors or conveyancers during property transactions.
Employed individuals may need payslips and P60s, while self-employed applicants can use SA302s or trading accounts. Provide bank statements for the last 3 months and any additional income proof.
The mortgage term depends on affordability. Consult with our mortgage adviser to find a suitable term aligned with your financial circumstances.
Selecting the right mortgage involves considering your current situation, priorities, and long-term plans. Speak to our mortgage adviser to receive personalized guidance.
Repayment depends on affordability however some lenders may have age specific conditions. Consult our mortgage adviser to determine a suitable term for your circumstances.
Standard Variable Rate follows the lender’s normal rate whereas Tracker Rate is linked to specific base rates. Explore our mortgage deals for insights into these variable rates.
Formerly known as a Mortgage Indemnity Guarantee it’s a fee charged by lenders when the borrowed amount exceeds a given property value percentage. It helps protect the lender in case of the borrower defaulting.
Early Repayment Charges apply if you repay the mortgage before a deal ends. Some mortgages offer portability, allowing you to move house without incurring this charge.
Seek permission from your mortgage lender, understand potential interest rate adjustments and consult our mortgage adviser for advice on mortgage and insurance options.
Contact your lender as soon as possible, lenders are obligated to treat borrowers facing difficulties with sympathy, some may offer helplines and debt fulfilment facilities that could help during financial hardship.
While not legally required, it safeguards your asset. We recommend considering mortgage protection insurance for peace of mind in unforeseen circumstances.
Our comprehensive range of products includes options for individuals with previous credit issues. Contact us to review our offerings to find a suitable mortgage solution.
Ensure pre-approved mortgages, seek advice from our mortgage broker, and obtain property legal packs before bidding. Be aware that auction deposits are payable upfront, not at mortgage completion.
While a valuation is mandatory for mortgage buyers, surveys are optional but advisable. Consult our adviser to explore different survey options.
A repayment consists of paying both interest and capital borrowed, overtime reducing the mortgage balance with each payment. Explore our mortgage options for tailored solutions.
Don't Just Take Our Word See What Our Customer's Think
Akrem El-Athram2024-03-16Rav has been absolutely incredible throughout my mortgage application process. His responsiveness and patience are truly remarkable. He answered all my questions promptly and with calmness, making the whole experience much easier. I highly recommend Rav to anyone seeking assistance with their mortgage journey. SIMPLY THE BEST 👌✨✨✨✨✨
Rashida Aktar2024-03-10Ravi was extremely helpful, him and his team helped us find the best first time buyer mortgage which was not an easy task due to being self employed. Another broker let me and my wife down however Ravi swooped in and saved day. Will always return for help with my mortgage and will continue to recommend him to my friends and family!
Charles Aidoo2024-01-24Ravi has been very helpful, patient and informative - helping me along the way in securing my first property. I am very grateful that he was recommended to me, and likewise I would definitely recommend his services. He's been very meticulous throughout the whole process, taking time to talk me through all the steps. He is also very focused on delivering the most beneficial solution for his clients, and I can't praise him highly enough for this. 100% highly recommend
Yuri Manca2024-01-16I would 100% recommend Ravi's services. From day one he's been absolutely fantastic with his communication skills, attention to detail and thoroughness. Ravi came through when two other mortgage brokers failed me, and he saved the day. Like many people, I am very new to all this mortgage stuff and I have learned a lot through this process with his help. I should also stress English is not my first language and he's been incredibly patient and willing to explain things to me multiple times on different occasions. Thank you Ravi, I am going to continue to use your services and I will recommend you to friends who are looking to get a mortgage!
Lisa B2023-11-16Efficient, professional and pro-active are only some of the few words that describe Ravi. He has been absolutely great along my mortgage process journey. I highly recommend him and will continue to recommend him to my friends and family. Thank you Ravi! :)
Cem B2023-08-21Pure Peace of mind not only did Ravi do everything in his power to reassure me that he has my best interest at heart. Ravi also got me a amazing deal in these scary times. Remortgaging can be a daunting task and trust is a hard thing to come by, especially with your mortgage and home on the line. I would look no further as Ravi is the only person I would use or recommend to friends and family.
Sammy Goss2023-08-11Amazing service, Ravi has gone above and beyond to get us a great deal and help us navigate the scary world of first time buying. Exceptionally personable and always willing to help.
H2023-08-07Huge thanks to Ravi for giving my partner and I the best possible advice on what to do in the mortgage field as we are fairly new to mortgages. Great communication & very efficient & hassle-free. Would highly recommend this service to anyone else seeking mortgage advice :)
Aleksandra Drozd (Ola)2023-07-16Ravi has been incredibly helpful in navigating the mortage market and advise us on the best available deal. He's very responsive and engaged with their clients. We would highly recommend Home Guru.
Home Guru Ltd is an appointed representative of Beneficial Ltd, which is authorised and regulated by the Financial Conduct Authority, FCA number 736655.
Home Guru Ltd is authorised and regulated by the Financial Conduct Authority, FCA number 997892.
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