Our Services

Residential mortgages are a key financing option for individuals aiming to own their dream home, whether it's a house or an apartment. Repaid over a suitable term, available up to 40 years, there loans offer flexibility and affordability

Understanding the diverse mortgage landscape is crucial, but it can be confusing.

Let us guide you through fixed-rate, tracker, and variable-rate options.

Fixed-rate mortgages provide stability with a consistent interest rate, while tracker and variable-rate mortgages offer flexibility that responds to market changes. Partner with us to explore the best fit for your needs and secure your ideal home. With our friendly expertise, navigating the mortgage journey becomes a breeze, ensuring a smooth transition to homeownership.

Suitable for

  • First Time Buyers

  • Home Movers

Residential Mortgages

Apply for a Residential Mortgage

When applying for this type of mortgage, it is essential that you are aware of your credit score and are actively saving for a deposoit.

You will be expected to put down a minimum of 5% of the property’s value as a deposit, but a larger deposit can help you get better mortgage rates and terms. You will also need to get an Agreement in Principle from a lender, which indicates how much they are willing to lend you based on your income, expenses, and credit score. There are also additional schemes available from certain lenders for those in rented/first time buyers who may struggle to save the full 5% deposit.

Once you have found a property, you can submit a mortgage application to a lender, which will involve providing information about your income, expenses, employment status, and any other debts you have. If your application is approved, you will need to get a survey of the property and arrange for conveyancing (the legal transfer of ownership) before completing the purchase.

Buy to Let Mortgages

Buy-to-let mortgages present an enticing opportunity for wealth growth and financial independence. Whether you're a seasoned investor or a novice landlord, our personalised service will help you navigate through the process of securing the ideal buy-to-let mortgage tailored to your specific requirements.

Suitable for

  • Investors

Find the right Buy-to-Let Mortgage

It's essential to note that buy-to-let mortgages aren't regulated by the Financial Conduct Authority (FCA), and the homeowner protection framework might not apply.

  • Buy-to-let mortgages are specialised loans crafted for individuals aiming to invest in residential properties to generate rental income. Differing from standard residential mortgages, which typically finance the borrower's primary residence, buy-to-let mortgages are exclusively for investment purposes.

  • Deposit requirements for buy-to-let mortgages vary by lender and property, usually hovering around 25% of the property's value. This contrasts with the lower deposits needed for standard residential mortgages (typically 5-10%). The higher deposit reflects the increased risk for lenders, given the property's investment nature rather than serving as a primary residence.

  • Lender criteria varies a little, but generally, applicants need to meet the following:

    Credit History: A solid track record of timely payments and minimal outstanding debts.

    Income: Sufficient income to cover mortgage payments and anticipated rental income.

    Deposit: A substantial deposit, typically around 25% of the property's value.

    Property: The property should be suitable for renting, in good condition, and any necessary repairs addressed before mortgage approval.

    Experience: Some lenders may require landlord experience.

    Age: Minimum age requirements may apply, often over 25.

    Insurance: Lenders may mandate property insurance for protection.

First Time Buyers

Embarking on your first property purchase is a big step, but it can also feel pretty overwhelming. One of the major choices you'll face is picking the right mortgage. There are loads of options out there, so it's worth doing your homework before you make any commitments.

There are many different types of mortgages available for first time buyers such as fixed-rate, variable rate, tracker, discount, and help-to-buy mortgages. Each type has its perks and downsides, so it's worth understanding them all before making a decision. Don’t worry, we’re here to help!

suitable for

  • Those buying their first property

Find the Right Mortgage for You

Choosing the right mortgage is a big deal – it'll affect your finances for years to come. By getting clued up on the different options, weighing up the pros and cons, and seeking advice when you need it, you'll be well on your way to finding a mortgage that suits your needs and budget.

  • There's a lot to consider when picking a mortgage, like how big your deposit is, what the interest rates are, how long you'll be repaying for, any fees involved, who you're borrowing from, and if there are any special deals on offer. Taking all this into account helps you make a choice that fits your wallet and lifestyle.

  • First-time buyer mortgages can be great because they often come with lower deposit requirements and more flexible terms. But they can also mean higher interest rates and fees. It's worth weighing up the good and the bad before making a decision.

  • To get a mortgage, you usually need a decent credit score, a steady income, and at least a 5% deposit. If you're not sure where to start, speaking to a mortgage adviser can really help smooth out the process.

    Buying your first property can be a bit daunting, but with some prep and guidance, it can also be really exciting. Tips like doing your research, getting advice, budgeting wisely, and understanding the ins and outs of property ownership can make things a lot easier.

Home Movers

Find the Right Home Mover Mortgage

Home mover mortgages are perfect for those aiming to climb the property ladder. With added flexibility, larger loan amounts, and the option to port your existing mortgage balance, they can make the moving process simple. Seeking guidance from a mortgage broker or financial advisor ensures you're making an informed decision.

Are you eyeing a new property while in the midst of selling your current one? If yes, a home mover mortgage might just be your ticket to climbing up the property ladder.

suitable for

  • those looking to buy a new home

  • those already with a mortgage

  • Home mover mortgages cater specifically to those aiming to purchase a new property while selling their current one. Offering larger loan amounts, extended repayment terms, and enhanced flexibility compared to standard mortgages, they're ideal for those eyeing pricier or bigger properties.

  • These mortgages facilitate your purchase of a new property while you're in the process of selling your current one. Once approved, you can start your property hunt. Your home mover mortgage provides the necessary funds for the new property purchase, and you utilize the proceeds from selling your current property to clear the remaining balance.

  • One major perk is the ability to "port" your existing mortgage balance to your new property, allowing you to retain your current mortgage and interest rate without penalty. This is especially handy if you've secured a favourable interest rate you'd like to retain.

    Additionally, they often offer larger loan amounts and longer repayment terms than standard mortgages, making them a smart choice for those eyeing pricier or larger properties.

Self Employed

suitable for

  • Limited Company Directors

  • Contrators & Consultants

  • Sole Traders

  • Subcontractors

  • CIS workers

  • Freelancers

Navigating the mortgage market as a self-employed individual can be a real challenge, especially if you are short on time. But fear not, because we're here to lend a helping hand.

Whether it's your first mortgage or a remortgage, we'll save you the hassle of approaching multiple lenders.

With years of experience assisting self-employed individuals, we know exactly which lenders to turn to and what information they require. Plus, with our specialist knowledge of the local area, dedicated point of contact, and personalised service, we'll simplify the entire process from start to finish.

Find the Right Self-Employed Mortgage

While it can be more complicated, with the correct paperwork and advice, it doesn't have to be difficult. We're here to make the process as smooth as possible.

Most lenders use your salary and dividends, verified from your full accounts or SA302 year-end tax calculations. We can also explore options using retained profits within your business.

While most lenders prefer 3 years of accounts, we can help with just 2 or even 1 year's accounts. Contact us to learn more.

  • These mortgages are tailored to directors looking to purchase properties for personal or business use. Key considerations include the loan-to-value ratio, income verification, company structure, and personal credit history.

  • Designed to meet the unique needs of contractors and consultants, these products cater to those paid on a daily or weekly rate, rather than a traditional salary.

  • If you're self-employed or in a partnership, navigating the mortgage landscape can be daunting. We're here to guide you through every step of the process.

  • From doctors and teachers to accountants and solicitors, we offer advice and wisdom for all types of professional mortgages.

  • As a construction industry professional, finding a mortgage can be challenging. We work with lenders willing to accept applications from CIS scheme workers.

  • Whether you're a copywriter, journalist, web developer, or any other freelancer, we're here to help you secure the right mortgage.

  • Typically, you can borrow between 4 and 5 times your annual income, with some specialist lenders offering higher multiples. We'll find the right lender for you.

Agency Workers

Find the Right Agency Worker Mortgage

Our commitment to agency workers extends beyond securing a mortgage. We provide comprehensive support throughout the home buying process, from initial consultation to mortgage approval and beyond. Our goal is to empower agency workers with the knowledge and resources they need to make informed decisions about their mortgage options and achieve their homeownership dreams.

With our tailored approach and dedication to client satisfaction, agency workers can trust us to guide them every step of the way on their journey to homeownership. Contact us today to learn more about how we can help agency workers secure the right mortgage for their needs.

Mortgages for agency workers can present some challenges and opportunities in the housing market. As mortgage advisors, we specialise in helping agency workers navigate these complexities and secure suitable mortgage options tailored to their specific circumstances.

suitable for

  • agency workers

  • those with a zero hour contract

  • One of the primary challenges agency workers face is demonstrating a stable income to lenders. Unlike traditional employees with regular paychecks, agency workers may experience fluctuations in income due to varying assignments or contracts. This variability can make it difficult to meet the strict income requirements of many mortgage lenders.

    However, with the right approach and expert guidance, agency workers can still access mortgage products that suit their needs. Our team of mortgage advisors understands the intricacies of the mortgage market and works closely with a network of lenders who are open to considering applications from agency workers.

  • We assist agency workers in presenting their financial situation in the best possible light to lenders. This may involve providing evidence of consistent work history, demonstrating a track record of reliable income, and showcasing future earning potential. By leveraging our expertise and industry connections, we help agency workers strengthen their mortgage applications and improve their chances of approval.

    Additionally, we explore mortgage products specifically designed for agency workers, such as specialist contractor mortgages. These mortgages recognise the unique circumstances of agency workers and offer more flexible eligibility criteria, including acceptance of contract income and shorter work histories.

Specialist Lending

suitable for

  • those with unconventional income sources

  • those with poor credit history

  • self-employed

  • property developers

Find the Right SLM

Research and compare lenders to find one with a solid reputation and positive customer feedback. When applying, be ready to provide detailed documentation, such as bank statements, tax returns, and proof of income, to support your application. Wildman Mortages can help take out the guess work and secure the best mortgage for you.

If you're exploring mortgage options but find yourself outside the standard criteria, a Specialist Lending Mortgage (SLM) might be just what you need. These mortgages, offered by specialist lenders, cater to borrowers with higher risk profiles or unconventional financial situations.

  • There are several scenarios where an SLM could be the answer. For instance, if you have a less than perfect credit history, traditional lenders may turn you away, but specialist lenders are more accommodating. Similarly, if you're self-employed with irregular income or lack conventional financial records, specialist lenders understand your unique needs.

    Another instance where an SLM comes in handy is if you have non-traditional income sources, like rental income. Specialist lenders are more open to considering these factors when evaluating your application.

  • Specialist Lending Mortgages cater to a diverse range of borrowers. Whether you're a property developer seeking substantial funding or a high net worth individual eyeing a luxury property, an SLM can provide the financing you require. They're also beneficial for those who've faced financial challenges like bankruptcy or foreclosure, as specialist lenders are more willing to take on higher-risk borrowers.

  • SLMs vary based on individual circumstances and lenders, but some characteristics are common. You can expect higher interest rates compared to traditional mortgages, as there is the higher risk involved. Additional fees like arrangement fees or extra legal costs may also apply.

  • While SLMs offer flexibility for borrowers who can't secure traditional mortgages, they come with drawbacks. Higher interest rates and fees make them more costly, and some specialist lenders may lack the reputation of traditional ones. Research is crucial to find a reputable lender that meets your needs.

Bridge Applications

Bridging loans offer a handy solution for individuals or businesses navigating transitional periods between transactions. Typically used to bridge the gap during property purchases or developments, they provide short-term financing with collateral requirements.

These loans span one to twelve months, with interest payments but no principal repayments until due. Once the existing property is sold or the project completed, borrowers repay the loan or refinance it.

While interest rates and fees may be higher due to the short-term nature and risks, bridging loans provide quick access to funds for those with clear repayment plans.

suitable for

  • those with a gap between buying and selling

  • those looking at auction properties

  • property developers

Find the Right Bridging Loan

Bridging loans suit property investors, developers, or homeowners needing capital quickly. However, thorough consideration and repayment planning are essential. Consult with a qualified mortgage broker for insights into your options.

  • For those with contracts exchanged on property sales, needing financing until completion.

  • For those seeking new purchases without secured buyers, potentially with higher rates.

  • Speedy financing for auction property purchases, often requiring an upfront deposit.

  • FCA-regulated options for short-term financing aimed at owner-occupiers, possibly with lower rates but stricter criteria.

  • Tailored for property developers, covering purchase, construction, and renovation, with refinancing options post-project.

Poor Credit

Find the Right Bad Credit Mortgage

While obtaining a mortgage with bad credit is challenging, it's not impossible. Be sure to carefully scrutinise any offers, considering their terms, costs, and long-term implications. With patience and expert guidance, you can find a suitable option to realise your homeownership dream.

If you're struggling, know that you're not alone. We specialise in bad credit mortgages and are here to assist you through the process. Our team understands the hurdles you're facing and is dedicated to helping you find the right solution.

Facing challenges securing a mortgage due to bad credit? It's a tough spot, but there's hope. Specialised bad credit mortgages cater to individuals with less than perfect credit histories, though they can often come with higher interest rates and stricter criteria.

suitable for

  • those with poor credit scores

  • those with bad credit history

  • Designed for those with poor credit, these mortgages, often termed "subprime," are provided by specialist lenders willing to take on higher-risk borrowers. They typically entail higher rates and tighter eligibility than standard mortgages.

  • Meeting lender criteria is essential, including a minimum credit score, income, and deposit payment requirements. Affordability assessments are also standard, ensuring you can manage the repayments.

  • You can improve your chances of securing a mortgage by improving your credit score, saving for a larger down payment, and seeking guidance from specialist mortgage brokers. Comparing your options is key.

Insurances

Find the Right Insurance

By understanding and securing the right insurance options, homeowners can safeguard their property, belongings, and financial well-being, ensuring peace of mind throughout their homeownership journey. As mortgage brokers, we're here to offer guidance and assistance in navigating these insurance options to protect your investment effectively.

Navigating the realm of home ownership and mortgages involves more than just finding the right loan; it also entails protecting your investment through insurance.

suitable for

  • Everyone!

  • This covers the structure of your property against damage caused by events like fire, flooding, or vandalism. Most mortgage lenders require buildings insurance as a condition of the mortgage.

  • Protect your belongings inside the property from theft, damage, or loss. Contents insurance covers items like furniture, electronics, and personal belongings.

  • This provides financial protection for your family in case of your death. It can help pay off the mortgage, ensuring your loved ones aren't burdened with the debt.

  • Offers a lump sum payment if you're diagnosed with a critical illness listed in the policy, helping cover mortgage payments or medical expenses during recovery.

  • If you're unable to work due to illness or injury, income protection insurance provides a replacement income, ensuring you can continue to meet mortgage payments and other expenses.

  • Though controversial in the past, PPI can offer short-term cover for mortgage payments if you're unable to work due to accident, sickness, or unemployment.

  • Provides assistance and cover for emergency repairs, such as boiler breakdowns or plumbing issues.

  • Helps cover legal costs if you need to take legal action related to your property, such as disputes with tenants or boundary issues.

Will Writing

suitable for

  • anyone with assets they wish to distribute in their will

Will writing assistance is a vital aspect of financial planning, often overlooked by homeowners. Having a will ensures that your assets are distributed according to your wishes after your death, providing peace of mind for you and your loved ones. As mortgage brokers, we understand the importance of wills in estate planning and offer comprehensive assistance to our clients.

Our will writing services encompass expert guidance and support throughout the entire process. We work closely with reputable solicitors who specialise in will writing, ensuring that your will is legally sound and accurately reflects your intentions. Whether you're a first-time homeowner or looking to update an existing will, our team is here to help.

We understand that discussing end-of-life matters can be sensitive, which is why we provide a supportive and empathetic approach to will writing. Our goal is to make the process as straightforward and stress-free as possible, allowing you to focus on enjoying your home and building a secure future for your family.

Get Started with our Will Writing Services

With our will writing assistance, you can have confidence knowing that your wishes will be respected and your loved ones will be provided for in the event of your passing. Contact us today to learn more about how we can help you with will writing as part of your comprehensive financial planning strategy.

Solicitor Assistance

suitable for

  • anyone looking for advice during the home buying process

Solicitor assistance is a crucial aspect of the home buying process, ensuring that legal requirements are met and transactions proceed smoothly. As mortgage brokers, we understand the importance of having reliable solicitors who specialise in property law to guide our clients through their journey.

Our network includes reputable solicitors experienced in handling property transactions, from conveyancing to contract review. They work diligently to protect our clients' interests and ensure that all legal aspects of the transaction are thoroughly addressed.

With our solicitor assistance, clients can expect personalised attention and expert advice tailored to their specific needs. Whether it's navigating complex legal documents or resolving potential issues that may arise during the process, our solicitors are committed to providing prompt and efficient service.

We strive to make the legal aspect of home buying as seamless as possible, allowing our clients to focus on the excitement of finding their dream home. From initial consultation to the finalisation of contracts, our team of solicitors is dedicated to delivering exceptional service and peace of mind to our clients throughout the home buying process.