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residential mortgages

A residential mortgage loan is a loan from a mortgage lender, secured on a property. The loan can be in the name of 1 or more persons and the mortgage/loan is repaid over a specified period.

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Residential Mortgages

residential mortgage broker

A Residential Mortgage is typically used to obtain your main residence, therefore it’s crucial that your mortgage is affordable and the mortgage suitable for circumstances now and in the future. It may be future aspirations or family changes that may mean that your needs will change. MMPE Advisors will get to know you and your plans to ensure that the correct recommendation has been made to suit you personally.

Mortgages don’t come in a one size fits all

Needless to say, with the thousands of products and different lenders, you may ask yourself where do I start? Your Mortgage is most likely to be the largest financial commitment you will ever have; Have I got the best deal possible given your circumstances? How much deposit do I need? How much will it cost? It’s okay, that’s where we come in.

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Residential Mortgages

residential mortgage rates

What does the lender look for in a mortgagee?

The key criteria for lenders is affordability, ensuring that mortgagees can repay the mortgage now and on an ongoing basis. Lenders require supporting information and documentation to assess whether they will lend. The lender will also carry out a valuation of the property to ensure that it is suitable security for their loan.

Within the process of agreeing a mortgage lender will review a mortgagee’s credit history and profile, their proof of income, levels of deposit and how bank accounts are conducted.

Mortgage Deals

At MMPE we get many enquiries from clients who are looking for the best mortgage deal, and we want to ensure that we can help them achieve this.

However, what is best for one person may not be best for another. MMPE is an independent mortgage broker, we work with our clients to find them the most cost-effective and suitable mortgage to suit their individual circumstances and requirements.

We work with many lenders such as Nationwide, Halifax, Santander, NatWest, Skipton etc, we also have access to many other lenders that you may not be as familiar with.

Each lender has differing affordability and criteria. Our aim at MMPE is to match you with the most cost-effective lender and scheme where you fit the lender’s criteria.

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3 simple steps

1. Personal Details

Our standard fee for arranging a mortgage is £395. The fee is due upon application of a mortgage loan to the lender.


My Mortgage Experts & Protection Experts Ltd (FCA 937076), is an Appointed Representative of King Mortgages Ltd.

King Mortgages is authorised & regulated by the Financial Conduct Authority (FCA). King Mortgages Ltd is entered on the financial services register under reference number 803561.

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


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      Automatic Property Value Updates

      Changes in property value, coupled with a potential reduction in your loan amount (with a repayment mortgage), mean a change in the equity available in your property (Loan to Value); hence there could be improved opportunities for a better mortgage for you.

      Product Expiry Date

      Sussed will track when your mortgage is due to expire (usually when your mortgage payments rise substantially as you will automatically transfer to your lender’s standard rate).

      The app will alert you when it’s the right time to discuss your options with your mortgage broker.

      Sussed can help you plan.

      Rate Riser

      This feature is ideal for today’s economy and increasing prices. Sussed will continually scan the market, looking for the best-fixed rates available, especially when interest rates are rising.

      Using a series of algorithms, our clever technology can identify longer-term fixed rates available today that could save money against predicted rates at the end of your current product term (including the cost of transfer) – sussed is doing all the hard work.

      Equity Available

      With automatic property value updates and your Mortgage information loaded, this feature calculates the amount of equity and the maximum potential loan that may be available within a landlord’s portfolio. This will assist with seeing if there is the opportunity for to perhaps buy another property from leveraging your portfolio.

      Within sussed, you will also be able to see each of your properties with a roadside picture, a confirmed property value, monthly rental, current mortgage balance, payments, interest rate and the Loan to value/Gross rental yield.

      Sussed can help you manage your portfolio.

      Early Review

      This feature is there waiting for interest rates when they reduce. Using the same technology as Rate Riser, sussed will identify if your current deal is now able to be improved.

      Should the interest rates decrease, sussed will compare deals available on the day with your existing deal and flag if there is an opportunity for you to save money by switching.

        Get Me A Quote

        As a condition of a mortgage (unless Leasehold with suitable cover), you will need to hold and maintain adequate home insurance.

        Fill out the 30-second form below and our partners at Nest GI will contact you to discuss your requirements.

        By requesting this service, you agree to be contacted by email, SMS, or telephone by Nest GI Ltd who are FCA authorised and you agree to our Privacy Policy

        Regional Price Limits

        There are price limits on homes you can buy with an equity loan. The limit is different for each region in England.

        • East - £407,400
        • East Midlands - £261,900
        • London - £600,000
        • North East - £186,100
        • North West - £224,400
        • South East - £437,000
        • South West - £349,000
        • West Midlands - £255,600
        • Yorkshire and the Humber - £228,100

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