Mortgage advice you can rely on
Whether you’re buying your first home, moving, refinancing or investing, we help you navigate your options and choose a mortgage that works for your current needs and your future plans.
How much can I afford?
Try our mortgage calculator to find out
how much you can afford today!
Mortgage Products
First Time Buyer
Home Mover
Remortgage
Buy to Let / Let to Buy
Adverse Credit
Equity Release
Ready to get started?
Let’s discuss your objectives
Independent mortgage advice across the market
Directly authorised & independent
Access to a wide range of mortgage lenders
Clear, no-obligation consultation
Experience across straightforward and complex mortgage scenarios
Appointments in person or remotely to suit you
Supporting clients nationwide
Whether you’re buying your first home, moving, remortgaging or investing in property, independent advice can make the process clearer and help you avoid costly mistakes.
We combine whole-of-market research with practical experience to recommend mortgages that fit your circumstances, budget and long-term plans.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Speak to an Advisor
How much could I borrow?
What will I have to repay each month?
You can borrow
£0
The actual amount you can borrow will be dependent on a more detailed assessment your financial situation, property value and the size of your deposit or equity.
Monthly Repayments
£0
Per Month for 0 years
Total Interest Payable:
£0Total Repayable:
£0*The actual interest rate will be dependent on a more detailed assessment your financial situation, property value, lender and the size of your deposit or equity.
Frequently asked questions about mortgages.
As an independent, directly authorised brokerage, we have access to a broad range of mortgage products including specialist lenders for more complex circumstances. We focus on placing your mortgage where it fits best, not simply where the headline rate looks attractive.
How much can I borrow?
Most lenders calculate borrowing using an income multiple typically between 4.5 and 5 times household income. In some cases, higher multiples may be available. However, affordability is also assessed against monthly expenditure, credit commitments, dependants and the length of the mortgage term.
How long can my mortgage term be?
Mortgage terms typically range from 5 to 40 years, depending on the lender and your circumstances. A longer term may be appropriate for younger applicants with many years until retirement, while older borrowers may be limited by a lender’s maximum age at the end of the mortgage term. Affordability, income sustainability and retirement plans are all considered when determining the most suitable term.
What size deposit do I need?
A 5% deposit is common, although in limited cases some lenders may consider 100% borrowing, subject to strict eligibility and affordability criteria. Generally, a larger deposit improves product availability and pricing, as risk reduces at lower loan-to-value levels.
Can I get a mortgage with adverse credit?
It may be possible, depending on the type, severity and age of the adverse credit. Some lenders will consider applicants with missed payments, defaults, CCJs or historic credit issues, subject to deposit levels and affordability.
Are buy to let mortgages expensive?
Buy-to-Let mortgages typically require a larger deposit than residential lending, often starting at 20–25%. Interest rates and fees can vary depending on the lender, property type and rental coverage position. In many cases, rates may be higher than equivalent residential products, reflecting the different risk profile. Buy-to-Let mortgages are commonly available on both interest-only and repayment bases. Some landlords choose interest-only to manage monthly cashflow, although this increases the importance of a clear long-term strategy.
Do I need to have instructed a solicitor before I apply for a new mortgage?
Not necessarily. You can begin your mortgage application without having formally instructed a solicitor. However, lenders will require solicitor details during the process, as legal work must be carried out before completion.
How early can I start my remortgage?
Most mortgage offers are valid for up to six months, so many borrowers begin reviewing their options around six months before their current deal ends. This allows time for application, underwriting and any required legal work helping to ensure the new rate is in place as soon as your existing deal expires.
Your Mortgage Journey
Initial Consultation
Our first meeting focuses on understanding your circumstances, objectives and timeframe. We review your income, deposit position and existing commitments before outlining the options available and explaining the process ahead. By the end of the consultation, you will have a clear plan and a realistic understanding of what may be achievable.
Research & Recommendation
We assess the mortgage market against your circumstances, objectives and affordability position to identify suitable lending options. Once we have narrowed the field, we present our recommendation clearly, explaining why it fits your situation, the costs involved and any important considerations.
Protection Considerations
A mortgage introduces long-term financial commitments, so we also consider how those commitments could be protected. Where appropriate, we explain options such as life insurance, critical illness cover and income protection, ensuring any cover reflects your financial responsibilities and wider plans.
Application & Documentation
When you are ready to proceed, we prepare and submit the application on your behalf, ensuring documentation meets lender requirements. We coordinate valuations, liaise with solicitors where necessary and manage communication with the lender throughout underwriting to keep the process progressing smoothly.
Mortgage Offer & Progression
Following underwriting and valuation, the lender issues the formal mortgage offer. We review the key terms with you and oversee progression through to completion, maintaining communication with all parties involved in the transaction.
Completion & Ongoing Support
Once funds are released and the transaction completes, we confirm the final mortgage arrangements and ensure everything is in place as expected. Our support continues beyond completion, reviewing your mortgage when your deal approaches expiry or if your circumstances change.
Mr Lightfoot
Excellent service. They continued to fight our corner and get us an excellent rate for our mortgage, giving us much reassurance and security in our property.
Emily
This is the third time we’ve used Lendese and we’ve always had great service.
Gemma Raw
Fantastic 5 star service as always 🌟
We recommend Lendese to everyone we know!
Jinty Wong
Teon was brilliant throughout the entire process of us buying our first property. He was very knowledgeable and really helped us understand the process and also gave us great tips and advice on whatever we asked.
Maisie Wright
Teon is absolutely brilliant and helped us on our journey to buying our first home!
Without him we couldn’t of gotten our mortgage and will always be grateful!
Kirstie Smith
Teon helped us purchase our first home, being first time buyers we had alot of questions, Teon was always at the end of the phone or email and explained everything. Incredible service from start to finish, will be using time and time again.
Madison Bolt
As a first-time buyer, I was nervous about the mortgage process, especially when a few unexpected issues came up along the way but Chris’ support, knowledge and proactive approach made the process a lot less stressful for me.
Shah Uddin
Phoebe was great in arranging my remortgage !
That was the 3rd remortgage by lendese for me ..
Will be using them again 👍
Liam Smith
Phoebe always does a fantastic job of knowing the best way to go about getting what we need from our mortgage provider. She always makes us feel at ease and talks to us like friends rather than clients. Fantastic local company and one we always recommend.
Aswin Mahendiran
Christopher Beard deserves 10 stars for his knowledge, attention to detail, quality of service. We have been lucky to work with him to secure our mortgage offer successfully. highly recommend Chris to everyone!!
Alex
Chris and the team put us at ease within minutes. Very straight forward and helpful. He went above and beyond with any issues or questions we had on the journey to getting a mortgage and purchasing a house and above all, always made time for us when we needed it.
Ruhul Khan
We had an excellent experience using Lendese for our remortgage. Phoebe was great, informative and always at hand to guide us through the process.
Natasha Pearce
Great experience, Phoebe sorted everything for us and was always there to answer any questions we had.
Adam Auty
5 star service from Phoebe at Lendese. She’s been incredible from start to finish! We have had a really difficult process with the sale of our property/mortgage but she’s been with us every step of the way offering amazing advice and support
Harrison Self
Great service from the team at Lendese. Initially spoke with Teon before Phoebe took on my remortgaging cases, explained everything and was always on hand for any queries and issues.
Anup Shrestha
Phoebe was incredibly helpful, knowledgeable, and resourceful throughout our property purchase. She showed exceptional dedication and pro-activeness, addressing all our queries promptly and with utmost professionalism
Rochelle Watson
Chris at Lendese was the best! Honestly, I cannot thank him enough or sing his praises enough. From the very start he was efficient and very knowledgeable.
Luke Singh
Extremely helpful. Phoebe always went that extra mile and made the process an enjoyable one.
Chloe
Pheobe has been absolutely amazing with us, helping in every way possible. No question was too small. Buying my first house is a whirlwind, and Pheobe has made the process such an ease with her expertise and advice.
