Free Mortgage Review

This review is a no-obligation assessment of your current mortgage position, your finances and what is open to you across all lenders. We match your earnings against lender affordability algorithms before any credit checks are run, so we can give you all the information you need without anything showing on your credit score.

We assess whether you are on a costly Standard Variable Rate, whether you could lower your monthly payment, whether you could borrow more against your property, and whether a remortgage could help consolidate debt. Consolidating debt into your mortgage may increase the total amount you repay over the term, and your home may be repossessed if you do not keep up repayments. There is no cost or commitment for the initial review.

First Time Buyers Who Want to Get a Mortgage Without the Guesswork

Getting a mortgage for the first time is one of the most significant financial steps you will take, and it matters hugely who you pay to help you through it. Choosing a suitable mortgage from the start can help you plan for the years ahead.

First time buyers now account for the highest share of house purchase lending since records began in 2007, and yet the process remains confusing without expert advice from a broker who knows the full range of lenders and deals available. The average two-year fixed mortgage rate sits at around 5.1%, meaning a small difference in the rate you pay has a real impact on your repayments and budget over the full term.

As a first time buyer, you can typically borrow four to four-and-a-half times your salary, though the exact amount depends on your deposit, your credit score and the lender's own affordability criteria. Our mortgage and protection team walks every first time buyer customer through the whole process from initial consultation right through to completion, covering deposit requirements, how much you could borrow and what to expect at each stage of the purchase process. We aim to make sure every first-time buyer understands the next steps and the mortgage they are considering.

We work with first time buyer customers who have straightforward situations and those who face challenges, whether that is a smaller deposit, a lower credit score or self employed income. The right mortgage broker makes all the difference to whether a first home purchase goes smoothly or becomes a source of stress.

Homeowners Looking to Remortgage to a Better Rate

Remortgaging means switching your existing mortgage to a new deal, either with your current lender or moving to a new one entirely. You can also remortgage to release equity in your property. With over half a million loans refinanced in a single quarter during 2025, customers are actively hunting for better rates as their fixed-rate periods end.

Lenders are due to contact around 1.6 million borrowers in 2026 as current deals expire. Some borrowers accept the rate their lender offers without comparing options. We search the market and present you with options that suit your financial situation, your budget and where you want to be.

We also review whether releasing equity, extending how many years remain on your mortgage, or changing how much you borrow overall makes sense for you right now, and we explain the costs and risks of each option. Sometimes a remortgage saves you money on monthly repayments but costs more over the full term, and that is exactly the kind of detail a good mortgage adviser will flag before you commit.

Self Employed Applicants Who Need the Right Mortgage Broker in Their Corner

Getting a mortgage when you are self-employed is not impossible, but many lenders apply criteria that do not account well for variable earnings, multiple income streams or retained company profits. Self employed customers often find that standard mortgage advice falls short because the adviser does not know which lenders to approach or how to present the details of their income correctly.

We work with lenders who consider self-employed applicants. Approval depends on the lender's assessment of your circumstances and cannot be guaranteed.

We aim to make the process clear and straightforward. We begin by gathering all the key details about your earnings, your deposit or equity position and what you are trying to achieve. This can be done by phone, video call or in person, whichever works best for you.

Our mortgage advisers then search the market and match your circumstances to lenders that may suit you. We will walk you through what the monthly repayments will look like on different deal lengths, what the interest rates mean in practice, and whether a fixed or variable-rate mortgage suits your situation better. We only move to a formal mortgage application once you feel confident in the deal in front of you.

What Our Mortgage Advisers Check During the Review

• Your credit score and credit history, including any past issues that need to be addressed before a lender sees your application, so there are no surprises later
• How much you could borrow based on your earnings and existing financial commitments, with a clear breakdown of what you can realistically afford
• Whether your current deal is still competitive or whether a remortgage, a new mortgage or a product transfer would save you money going forward

When you go directly to a bank or building society, you only ever see what that single lender offers. A broker can search a wider range of products than a single lender. Rates and fees will depend on your circumstances and the lender.

The average outstanding mortgage balance in the UK sits between £137,000 and £156,000. On a balance that size, the interest rate you pay can make a real difference to your repayments. Mortgage commitments agreed by lenders reached over £78 billion in a single quarter during 2025, the highest level since 2022, which tells you just how active this market is and why it pays to have a broker searching it properly.

This is where mortgage advice can help. We look at arrangement fees, early repayment charges, lender criteria and each lender's attitude to your specific circumstances alongside the headline interest rates, so you are comparing deals on a like-for-like basis and not just chasing the lowest number.

Not every mortgage application is straightforward and our mortgage adviser team does not expect yours to be. A poor credit score, employment gaps, high existing debt or a history of late payments all create additional challenges with lenders. These are cases our advisers handle regularly and they know how to build an application that a lender will take seriously.

If your credit score needs work before you apply, we will tell you clearly and explain exactly what to do to improve it. We work with lenders who look at each case individually rather than applying rigid automated rules. We will discuss the best timing for your application and explain your options.

What to Do if Your Credit History Has Issues

A less-than-perfect credit history does not automatically stop you from getting a mortgage, and you should not have to pay more in rate or fees than is actually necessary for your situation. It does mean lender selection matters more than in a standard case. We review your credit score, identify what is pulling it down and match you with the lender whose criteria best fit your actual circumstances, not just your score.

Our advisers answer every question you have along the way. We aim to make sure you leave every conversation clear on where you stand and what to do next.

Getting a mortgage is only part of the picture for many of our customers. We also talk through life cover and mortgage protection insurance as part of our service, because your mortgage is one of the biggest financial commitments you will carry and it makes sense to protect it. A life policy can pay off or reduce the outstanding mortgage balance if you die during the term, subject to the policy terms and exclusions.

We can answer your questions about what protection you actually need and help you find a policy that fits your budget. Customers who borrow well within their means tend to feel more secure in their mortgage long term. Mortgage protection insurance costs vary depending on your age, health and the size of your mortgage, but we explain your options before you commit.

From the moment you come to us until your mortgage completes, you have one point of contact and regular updates.

Read what our clients say on our Reviews page.

We give our clients access to a range of mortgage products and support through the process, whether they are buying their first home, completing a remortgage or working out whether now is the right time to move to a new deal. Our advisers work with straightforward cases and complex ones, and we handle the whole process for you from start to finish, with the same level of care throughout.

If you are ready to get a mortgage, remortgage at better rates or simply want to know whether a new deal could save you money, the first step costs nothing. Contact Prescient Wealth & Estate Management today to arrange your mortgage review. There is no obligation and no impact on your credit score for the initial review. If you decide to proceed, we will explain any fees before you commit.

Our mortgage broker service covers the whole country and gives you access to a range of lenders, including specialist lenders. Get in touch now and let our team search the market to find the most suitable deal for your circumstances.

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.