Whether you are stepping onto the property ladder for the first time or unlocking the wealth tied up in your current property, we have a dedicated specialist for your situation.
Your home or other property may be repossessed if you do not keep up repayments on your mortgage.
The mortgage market can feel overwhelming. Rates move daily, lender criteria varies significantly, and the difference between the right deal and the wrong one can cost thousands over the life of your loan.
Without the right advice, many people feel confused by the number of mortgage products available, and are tempted just to settle for what their existing bank or building society offers.
At EIGHT Mortgages, we cut through the noise. As experienced mortgage brokers, we know the lenders, the criteria, and how to find the most suitable mortgage for your specific situation. A good mortgage broker saves you time, money, and the stress of managing lenders, estate agents, and solicitors on your own.
EIGHT Mortgages is a trading name of EIGHT Wealth Management Ltd.
Whether you are stepping onto the property ladder for the first time or unlocking the wealth tied up in your current property, we have a dedicated specialist for your situation.
Navigating the deposit, the paperwork, and the mortgage market so you can focus on finding the right home.
Every stage handled from agreement in principle to completion. Your case prepared thoroughly before it goes near a lender, giving you the best possible chance of approval first time.
Securing a better deal before your fixed rate ends, or releasing equity when you need it.
A search on your behalf, the right deal identified, and the switch handled smoothly. No sitting on a standard variable rate paying more than you need to.
The right lending structure for your portfolio, with the tax and investment picture considered alongside the mortgage.
Whether it's your first rental property or you're expanding an existing portfolio, buy-to-let criteria varies significantly. The right structure from the start helps to achieve better returns over the years.
Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Safely unlocking the value in your home to fund your retirement or support your family.
Every option explained clearly and honestly, from lifetime mortgages to retirement interest-only products. The full implications for your estate outlined before any decision is made.
Equity release is a lifetime mortgage. To understand the features and risks associated with such products, please ask for a personalised illustration.
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Our mortgage advice is provided by a fully qualified and experienced team who understand that finding the right mortgage goes beyond your deposit and term. Support from the start means you're in a stronger position for what comes later.
We believe in total transparency. Before you commit to any mortgage deal, we outline every single cost upfront, including any broker fee, so there are no hidden charges and no surprises. Fees vary depending on the complexity of your case and the amount you are borrowing.
Read through our fee documents
Mortgage Advice Explained in 60 Seconds
Here are some of the question people ask before they sit down with their mortgage adviser.
In reality, in the UK, ‘mortgage adviser’ and ‘mortgage broker’ are often used interchangeably, depending on how someone describes their services. What matters more is what your adviser can actually offer, and whether they are authorised and regulated, meeting professional standards so you have access to proper protection if something goes wrong.
Some advisers describe themselves as whole-of-market because they can advise on all products including second charge mortgages, Sale & Rent Back, and Home Purchase Plans. We offer access to a comprehensive range of mortgages, though we are not classed as whole-of-market, as we do not advise on the above products.
Lenders assess borrowers on their income, outgoings, and deposit size. As a starting point, most will lend between four and four-and-a-half times your annual salary, but your actual figure depends on all of your finances, including your credit history and the size of your deposit. Different lenders will be more favourable to different types of income and financial situations; a good adviser will help you with this.
A fixed rate means your monthly repayment stays the same for an agreed period, usually two to five years. A variable rate mortgage (tracker) can move up or down, following either the Bank of England base rate or your lender’s own rate. Fixed gives you certainty; variable gives you flexibility, but carries a greater risk. A mortgage adviser like Eight Financial can offer advice on which option best suits your circumstances.
Your adviser will help you understand your current position and the market conditions so you can decide which one is best for you. Even if the market is steady, it could be better to have a variable rate depending on your situation. Many variable-rate mortgages allow you to exit your deal early without incurring an early repayment charge.
You should begin the remortgage process around three to six months before your current deal ends. When a fixed rate expires, most lenders move you onto their standard variable rate, which is usually higher. Reviewing early gives you time to find a better deal.
The mortgage market has thousands of products across hundreds of lenders. Getting help means someone can identify which lenders are most likely to accept your application, explain your options clearly, and guide you through the paperwork.
Every mortgage situation is different. Whether you are buying for the first time, remortgaging to a better deal, or exploring buy-to-let options, the right mortgage advice can make a very significant difference to what you pay over the life of your loan.
Book a no-obligation meeting with one of our mortgage advisers today, no jargon, no pressure, just an honest conversation about your property plans and what is possible.
Fusion 1, 1000 Parkway, Whiteley Hampshire, PO15 7AA
