First-Time Buyers
Getting you onto the property ladder with confidence. We navigate deposits, Help to Buy schemes, and explain every step clearly.
Finally, a mortgage process that speaks your language.
No jargon, no hidden fees. Just expert advice to help you secure your home with confidence—whether it's your first or your forever.
What Are You Looking to Achieve?
Remortgaging
Your current deal is ending soon. We compare across a wide range of lenders to stop you rolling onto expensive standard rates, potentially saving you hundreds a month.
Home Movers
Whether you are upsizing, downsizing, or relocating, we manage the complex process of "porting" your mortgage or finding a new one.
Buy-to-Let & Investors
Specialist advice for landlords. From first-time investments to managing large portfolios and limited company mortgages.
Affordability & Moving Cost Calculator
Get a clear picture of what you can borrow and what it'll cost to move — all in one place.
- Borrowing estimates at 3.5x, 4.5x, and 6x your income
- Single or joint application support
- Monthly repayment estimates across tiers
- Stamp duty, legal fees, and survey cost breakdown
- Net take-home pay calculation
- Print or request a personalised quote
Why Come to Us Rather Than Your Bank?
| Feature | Going Direct to a Bank | Using B Mortgage Services |
|---|---|---|
| Access to Deals | Restricted to their own products only. | ✓ Access to a comprehensive range of mortgages from across the market. |
| Exclusive Rates | Access to high-street rates only. | ✓ Access to exclusive intermediary-only rates not available directly. |
| Advice Scope | Advice is limited to that specific lender's criteria. | ✓ Tailored advice based on your unique circumstances across multiple lenders. |
| Availability | Subject to standard branch opening hours. | ✓ Flexible appointment times, including evenings and weekends. |
| Application Support | You manage the process and communication with the lender. | ✓ Full application management, from paperwork to completion. |
Ready to Make an Offer on a House?
In today's fast-paced market, being 'offer-ready' can be the difference between securing your dream home or missing out. Speed matters.
At B Mortgage Services, we often secure a Decision in Principle (DIP) within 24 hours, providing you with a certificate that proves to sellers and estate agents that you are a serious, qualified buyer.
Your 'Offer-Ready' Checklist
Have these documents ready to speed up your application:
- ✓Proof of Identity: Valid Passport or Driving License.
- ✓Proof of Income: Last 3 months' payslips or 2 years of Tax Calculations (SA302s).
- ✓Bank Statements: Last 3 months' personal statements showing income and outgoings.
- ✓Proof of Deposit: Evidence of savings or a gifted deposit letter.
Pro Tip: Having digital copies ready to upload can shave days off your mortgage approval time.
Mortgage Frequently Asked Questions
Expert insights into the 2026 mortgage market.
How much deposit do I really need in 2026?
While a 5% deposit is the standard minimum for many lenders, the 2026 market offers new pathways like "Track Record" mortgages (0% deposit for long-term renters) and 98% mortgages for specific buyers. These products are subject to strict lending criteria and a clean credit history. We can help you navigate these options to find the best fit for your budget.*
What if I'm self-employed or a contractor?
High street banks often struggle with complex income structures. We specialize in helping self-employed clients and contractors by using your latest tax calculations, net profit, or daily contract rates to prove your true borrowing power. Most lenders require 1-2 years of trading history, but we have access to a range of lenders who may consider shorter periods or base the lending on your contract value.
Can I really borrow up to 6x my income in 2026?
Yes, several lenders have introduced higher income multiple tiers of up to 6x for specific professions and high-earners. However, these are subject to strict debt-to-income ratios and minimum income thresholds. We can calculate your specific borrowing limit across our comprehensive panel of lenders.*
Do you charge a fee for your advice?
We offer an initial consultation at no cost to you. If you choose to proceed with an application, we may charge a fee for our services. The actual amount you pay will depend upon your circumstances. We will always agree on any fees with you upfront before any work begins.
Will checking my eligibility affect my credit score?
An initial discussion with us has no impact on your credit score. When we move to an Agreement in Principle (AIP), the majority of our lenders use a "soft search," which is visible to you but does not leave a footprint for other lenders. A "hard search" typically only occurs when a full mortgage application is submitted.
Does a higher EPC rating get me a better mortgage rate?
Many lenders now offer "Green Mortgages," providing discounted interest rates or cashback for properties with an EPC rating of A or B. As we approach 2028 energy efficiency targets, these incentives are becoming more frequent. We can identify which lenders offer the best rewards for energy-efficient homes.
Can my parents help me buy without being on the property deeds?
Yes, through a Joint Borrower Sole Proprietor (JBSP) mortgage. This allows a family member to add their income to the application to increase your borrowing power without having a legal claim to the property. Please note: All parties are equally and legally responsible for the full mortgage repayment.
Is an interest-only mortgage a good way to lower my monthly costs?
Interest-only mortgages can reduce monthly outgoings, but they require a significant deposit and a proven repayment vehicle to pay off the capital at the end of the term. With an interest-only mortgage, your monthly payments do not reduce the amount you owe. We will assess if this is a suitable and sustainable option for your long-term goals.
With an interest-only mortgage, your monthly payments do not reduce the amount you owe. A repayment vehicle will be required to pay off the capital at the end of the term.
Should I consolidate my credit card debts into my mortgage?
Consolidating short-term debt into your mortgage can lower your monthly payments, but you will likely pay more interest over the life of the mortgage because the debt is being repaid over a longer term. Think carefully before securing other debts against your home.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
What documents do I need to get 'offer-ready'?
To secure a Decision in Principle (DIP) quickly—often within 24 hours—you should have your ID (Passport/Driving License), your last 3 months of payslips (or 2 years of Tax Calculations if self-employed), 3 months of bank statements, and proof of your deposit funds ready to go.
*Subject to individual status and lender criteria, and may be reserved for certain borrower types e.g First Time Buyers.