Whatever stage you're at, we'll help you find the right mortgage
From your first home to your fifth buy-to-let, and every aviation career stage in between — here's how we can help.
Your first step onto the property ladder
Buying your first home can feel overwhelming — from saving your deposit to understanding what you can borrow. We'll guide you through every step, in plain English, and help you avoid costly mistakes.
Talk to us about thisGood if you…
- You've never owned a property before
- You're unsure how much you can realistically borrow
- You're exploring schemes like Shared Ownership or guarantor mortgages
- You want someone to explain the process from start to finish
We'll help you with
- Agreement in Principle to check your borrowing power
- Comparing products from our broad & comprehensive range of lenders from across the market
- Explaining fees, rates and repayment types clearly
- Liaising with estate agents and solicitors on your behalf
Moving up the ladder to your next home
Whether you're upsizing, downsizing or just moving somewhere that suits your life better, buying your next home brings its own challenges — chains, timing, and working out the right mortgage strategy. Most people move around the time their current deal is ending, though some prefer to port their existing rate onto the new property — either way, we'll map out the best route for you.
Talk to us about thisGood if you…
- You already own a property and are ready to move on
- Your current deal is ending around the same time as your move
- You're managing a property chain and need certainty on timing
- You need additional borrowing on top of your existing mortgage
We'll help you with
- Finding a new deal from our broad & comprehensive range of lenders from across the market, or porting your existing rate if that works out better
- Structuring additional borrowing for your next purchase
- Coordinating timelines with your buyer, seller and solicitors
- Securing an Agreement in Principle to strengthen your offer
Coming off your fixed rate? Let's find you a better deal
If your current deal is ending soon, don't let it roll onto your lender's standard variable rate. We'll search our broad & comprehensive range of lenders from across the market and handle the switch for you.
Talk to us about thisGood if you…
- Your fixed or tracker rate ends in the next 6 months
- You want to release equity for home improvements or other goals
- Your circumstances have changed since your last mortgage
- You simply want to check you're not overpaying
We'll help you with
- Comparing your current lender's offer against our broad & comprehensive range of lenders from across the market
- Timing your application to avoid costly gaps or early repayment charges
- Advising on debt consolidation or capital raising options
- Handling the paperwork so you don't have to
Building and growing your rental portfolio
Whether it's your first rental property or your tenth, buy-to-let mortgages come with their own rules around rental income, tax and lender criteria. We'll help you structure it right.
Talk to us about thisGood if you…
- You're purchasing your first buy-to-let property
- You're an experienced landlord growing a portfolio
- You're considering a limited company structure
- You want to understand rental yield and lender stress tests
We'll help you with
- Assessing rental income against lender affordability criteria
- Comparing personal-name vs limited-company mortgages
- Portfolio landlord applications across multiple properties
- Refinancing existing rental properties for better rates
Mortgages built around aviation pay and rosters
Pilots, cabin crew, ground handlers, cargo agents and airport staff often earn more than a simple basic salary. Most lenders are fine with standard pay like Flight Pay and Night Duty pay — it's more unusual income, like Onboard shift commission, that many high-street lenders struggle to assess properly. We work with lenders who do.
Talk to us about thisGood if you…
- You're a pilot, cabin crew member, ground handler or cargo agent
- Your income includes Flight Pay, Onboard shift commission or Night Duty pay
- You're a cadet or early-career pilot with training bonds to consider
- You've been declined elsewhere because of how your income is structured
We'll help you with
- Presenting your full income package accurately to lenders
- Matching you with lenders experienced in aviation employment
- Navigating fixed-term contracts, LOSA/type-rating bonds and rosters
- Explaining how furlough or industry disruption may be viewed by lenders
See your estimated monthly repayment
Adjust the property value, deposit, term and rate to get an instant, illustrative estimate. It takes thirty seconds — a full, personalised quote takes one quick call.
Get my personalised quoteLoan amount
£256,000
Loan to value
80%
Est. monthly payment
£1,423
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice based on your needs and circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Ready for take-off? Let's find your mortgage.
Book a no-obligation 20-minute call and we'll talk through your options — whether you're crew, ground staff, or just looking for a great rate.