Our simple straight-forward service offers clear advice to help you understand the range of mortgage products available to you. From standard repayment mortgages to interest only mortgages, fixed rates, offsets and variable rate trackers, we’ll help you to understand which product is right for you.
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Buying your first home can feel overwhelming, with new terminology at every turn. We help you make sense of deposits, government schemes and what you can realistically borrow, then find a mortgage that fits your budget. From your first chat to picking up the keys, we're with you all the way.
Whether you're upsizing, downsizing or just want a shorter commute, moving home raises mortgage questions: port your deal, switch lenders, or borrow more? We compare the market, factor in any early repayment charges, and keep your move on track from offer to completion.
Self-employed applicants are often asked for extra proof of income, which can complicate things. We work with lenders who understand variable income, sole traders, contractors and directors, helping you present your accounts well and find competitive deals, even with limited trading history.
If your deal is ending, or you're wondering if you could pay less, remortgaging is worth a look. We check your options against the current market, see if your circumstances open up better rates, and handle the paperwork so you don't drift onto your lender's standard variable rate.
Your home may be repossessed if you do not keep up with repayments on your mortgage
Mortgages that remain fixed regardless of changes in the Bank of England base rate. These offer stability in the face of potential interest rate rises.
Tracker mortgages are variable rates that track the Bank of England base rate at an agreed margin, so if the central UK bank changes their rate your mortgage will change by the same margin.
Tracker, Discount, Capped and Stepped Mortgages are all variable rates that can change based on markets or individual lender offerings. These mortgages can fluctuate meaning that your repayments could change.
Offset mortgages link your savings account to your mortgage balance, reducing the amount of interest you pay each month. The more you save, the less interest you’re charged.
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.
If you’re worried about how much you can borrow or have a smaller deposit, we’re here to help. With options of up to 100% loan to value, we could give you all the help you need to buy your first home.
Borrow up to 33% more (up to 6 times your income) with a longer fixed-rate mortgage term.
Saving for a deposit can be hard. That’s why we offer first time buyer mortgages up to 100% loan to value.
Not sure you can afford to buy your first home? You might be able to apply for a mortgage using an affordable home ownership scheme.
Gifted deposits, guarantors and joint borrowers are all ways that families can support your purchase. These products seem complicated but we can help with them all.
Which Mortgage is Right For Me?
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.