We’re here to help you achieve your property goals. Whether you’re looking to buy your first home, your dream home, or invest in a property portfolio, we have the expertise to help.
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With over 15 years in the property industry, we've seen every situation there could be. From instant approvals, to the challenges that come with every day life. We take the time to understand your plans and needs where our bespoke service ensures your plans are met.
We're here to demystify the process of buying a property. You always have access to a real person on the end of the phone, no automation, no queues and no chatbots. Real people, real relationships real outcomes.
Whether you’re looking to buy your first home or expand a growing property portfolio, we can provide the best mortgage for your unique circumstances.
Whether you’re buying your first home, your dream home or securing a new rate, our tailored advice can help to find the right mortgage to suit your individual circumstances.
Whether you’re a first-time landlord or growing an existing portfolio, we can help you find the right buy-to-let mortgage to maximise your investment.
Whether you have a complex income, poor credit or unusual circumstances we can help you find a lender who understands your full financial picture.
Safeguard your mortgage, income and family finances if the unexpected happens. We can help you to find the right combination of cover to make sure that you are protected no matter what life throws your way.
Book a no-obligation consultation call with a friendly advisor to discuss your plans.
Tell us all about your requirements for finance and your income & deposit situation.
We search the market with no affiliation to any specific lender. We only care about finding the right product for you.
Apply for your finance product and start the process of owning your property.
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We’re here to help. Whether you have a question about your mortgage, need assistance with an application, or just want to learn more about how we can help.
Most lenders will offer between 4 – 6 times your annual salary, but your monthly outgoings, credit history, and lifestyle spending all play a part. Rather than guessing, we'll run through your finances and give you a clear, realistic number so you can house-hunt with confidence.
Once we've found the right deal for you, most applications result in a formal mortgage offer within 2 – 4 weeks. The biggest factor in keeping things moving is your documents ready. Think recent payslips, 3 months of bank statements, and a valid ID. We'll give you a clear checklist so nothing slows you down.
Your deposit is the big one but it's not the only cost to plan for. You'll also want to account for solicitor’s fees, a property survey, any lender arrangement fees, and Stamp Duty (though many first-time buyers won't pay this, depending on the purchase price). We'll give you a full breakdown upfront so there are no hidden surprises, just a clear picture of what you need to plan for.
Think of a fixed rate as locking in your monthly payment for a set period of time usually 2, 3, or 5 years so you always know exactly what's leaving your account. A variable rate moves with the market, which can work in your favour but also means less predictability. For most first-time buyers and young families, the security of a fixed rate is a popular choice, we’ll help you to understand which option is right for you.
It's not something most people love thinking about, but it's genuinely important, especially if you're taking on your first big financial commitment or have a growing family. If you couldn't work due to illness, or something happened to you or your partner, the right protection means that your home stays secure. We'll explain all of the options, so you can make a decision that gives you real peace of mind.
A few missed payments don't necessarily close the door on getting a new mortgage. Lenders will look at how recent the missed payments were, how many there were, and whether the situation has improved. The good news is that there are lenders who specialise in helping people with less-than-perfect credit histories, and the market is broader than most people think. We'll take an honest look at your credit profile, explain your options clearly, advise you on mortgage products that suit your personal circumstances.
Want to chat to a human being about your new mortgage?
With so many products available from so many lenders with such different rates, finding the right mortgage can seem like an impossible task. At Noli Mortgages we take pride in our friendly, impartial advice. We have access to a wide range of lenders and we’re confident that we can find the perfect product for you.
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