Services & Processes
Mortgages made easy! Feel supported, every step of the way
First-Time Buyers
We’re with you every step of the way!
Buying your first home is a big deal—and while it’s super exciting, it can also feel a bit overwhelming. Don’t worry, you’re not alone. We totally get it, and we’re here to make things as simple and stress-free as possible. We’ve been helping first-time buyers for over a decade, and it’s something we genuinely love doing. There’s nothing better than seeing someone get the keys to their very first home!
Our mission is to make your journey into homeownership smooth, clear, and even enjoyable. We’ll guide you through each step, answer all your questions (no matter how small!), and be here whenever you need us. You can count on us to have your back the whole way through.
Can I Get a First-Time Buyer Mortgage?
Let’s find out together!
Not sure if you’re eligible for a first-time buyer mortgage? That’s completely normal—and we’re here to help! Get in touch with us and we’ll chat through your situation to see what’s possible.
When you apply for a mortgage, lenders look at a few key things: your income (like your salary and any extra earnings), your regular spending, your credit history, and how much deposit you have. All of this helps them figure out how much they’re happy to lend you—and whether you’re likely to manage the repayments comfortably.
But don’t worry, you don’t need to figure this out on your own as we do the legwork for you. We will search through thousands of mortgage deals to find the one that fits you best. With years of experience and plenty of know-how, we’ll recommend the mortgage that truly suits your needs.
Sometimes the process can have a few bumps along the way, but we’re here to help smooth those out. One of the best ways to get started is by having a Mortgage Agreement in Principle ready—it shows sellers you’re serious and can really speed things up when you’re ready to make an offer. We can usually get this sorted for you within 24 hours of your free consultation
So if you’re thinking about buying your first home, let’s talk! We’d love to help you take that exciting first step.
Buy-to-Let Mortgages
Expert guidance to help you make the most of your investment
Whether you’re thinking about buying your very first rental property or adding to your growing portfolio, we’re here to help make your buy-to-let journey a successful one. We understand that with the right mortgage and a bit of expert advice, your investment can really work for you.
The buy-to-let market can be a bit of a maze—but don’t worry, that’s where we come in. We will explain everything in plain English, keep you updated on the latest market changes, and help you explore all your options. We’ll compare a wide range of specialist mortgage deals and find the one that best suits your plans and goals.
We know your time is valuable, so we’ll work around your schedule and keep the process smooth and stress-free. Whether you’re aiming for a steady rental income or long-term growth, you can rely on us for friendly, expert support every step of the way.
Please note: Some types of buy-to-let mortgages aren’t regulated by the Financial Conduct Authority.
Remortgages
Thinking about switching your mortgage? Let’s make it simple.
Whether your current deal is coming to an end or you’re looking to release some money from your home, remortgaging could be a smart move—and we’re here to help you every step of the way.
We take the time to understand your situation, then search the market to find a deal that truly suits you. With access to a wide range of lenders, we could even help you save money. Ready to get started? Book your free consultation today!
How Much Is My House Worth?
Before we can dive into remortgaging, we’ll need to know the current value of your home. Don’t worry—we’ve got a handy valuation tool that gives us a good estimate, helping us give you the best possible advice.
While online calculators are only a guide, they’re a great place to start. We’ll help you get a clearer idea of your property’s value and check if your current lender has a recent valuation on file too.
How Do I Remortgage?
Remortgaging might seem a bit overwhelming at first—but that’s where we come in. We’ll take care of the tricky bits and make everything as straightforward as possible.
All we need to begin is a sense of how much you’re currently paying and what you can afford moving forward. From there, we’ll search through a huge range of lenders to find the right fit for you.
What About the Costs?
It’s good to be aware that switching mortgages can come with some costs—things like arrangement fees, valuation fees, and legal costs. But don’t worry, we’ll explain everything clearly upfront.
We believe in complete transparency. Some fees might even be covered by the lender or added to your new mortgage (just keep in mind that you’d pay interest on anything added).
Mortgage Protection
Why it matters—and how it can give you peace of mind
No one likes to think about the worst happening—but having the right protection in place can make a world of difference for your loved ones if life takes an unexpected turn.
If something were to happen to you, your family could be left facing not just emotional heartbreak, but serious financial stress too. Losing an income might mean struggling to keep up with mortgage payments or having to let go of plans like supporting children through university. It’s hard to imagine, but that’s exactly why protection matters.
Lenders won’t simply wipe out your mortgage debt if you pass away—they’ll expect it to be paid. Without the right cover, this could lead to your family having to sell the home or face repossession. That’s a risk you just don’t need to take.
What Types of Protection Are Available?
There are a few different types of cover, and it can feel confusing at first—but that’s where we come in! We’ll help you make sense of it all and find the right protection for your needs.
Life Insurance / Life Assurance
These terms are often used interchangeably. Life Insurance covers things that might happen, while Life Assurance is for something that will happen—like death. Either way, the goal is to leave your loved ones with financial support when they need it most.
Mortgage Life Assurance (or Decreasing Life Cover)
Perfect for repayment mortgages, this type of cover reduces in line with your mortgage balance. It’s designed to pay off whatever’s left on your mortgage if you pass away—meaning your family won’t have to worry about losing the home.
Level Term Life Assurance
This one keeps the same amount of cover throughout the policy. It’s ideal for interest-only mortgages or if you want to leave a lump sum behind—to help with things like funeral costs, education, or simply giving your family financial breathing space.
Critical Illness Cover
This cover pays out a one-off lump sum if you’re diagnosed with a serious illness (like certain cancers, heart attack, or stroke). It’s a lifeline that can help you manage your bills, medical expenses, or just take time off work to focus on getting better.
Important to note: Different policies cover different conditions, so we’ll help you choose one that offers the right protection for you and your family
Income Protection
If you’re unable to work due to illness or injury, this type of cover replaces part of your income—so you can keep paying the bills and stay on top of things. It usually pays around 60% of your earnings tax-free, and continues until you’re well enough to return to work (or until retirement, depending on your policy).
There’s a ‘deferral period’ before payments start—this can range from a month to a year, and the longer you wait, the lower your monthly premiums.
What Makes Me Different?
It’s more than mortgages – it’s about people.
Always Here When You Need Me
The mortgage process can feel overwhelming, and questions don’t always stick to business hours. That’s why I’m just a call or text away—day or night. Whether you need reassurance, advice, or a quick update, I’m here for you whenever you need support.
Clear, Simple Advice
Mortgages don’t have to be complicated. I explain everything in plain English, with no confusing jargon or long-winded terms. Just friendly, down-to-earth advice that makes sense—so you always know exactly where you stand.
I Care About the Whole Journey
This isn’t just about getting your mortgage approved—it’s about the entire experience. I work closely with estate agents and solicitors to keep things running smoothly, taking the stress off your shoulders. And once you’ve got the keys? I’m still here if you need anything.
Customer Satisfaction
Your experience matters. I want you to feel looked after, supported, and confident from our very first chat to the moment you step through the front door. My clients often say how easy and stress-free the process feels—and I’d love for you to feel the same.
Client satisfaction is at the core of everything I do.
I take pride in delivering an excellent customer experience and I prioritise building and maintaining client relationships. This often leads to clients recommending me to their family, friends, and colleagues.
The Right Broker
The Right Broker Ltd is a family owned business based in Solihull, Birmingham and was established in June 2015 with the core value that our customers are at the heart of everything we do.
Our mortgage brokers, insurance advisers and PMI specialists are nationally based, fully qualified and have years of experience in financial services.
Without the fantastic brokers and advisers we have, we would not be the successful company that we are today.
We have access to 90+ lenders, and thousands of products and deals, including many that are not available on the high street.
We are also independent from any bank or lender, so the loyalty is to our customers.