Mortgages

Independent advice to help you secure the best mortgage deal for your needs.

Your Mortgage, Made Simple

Independent Advice to Find the Right Mortgage for You

At Thinking Finance we know sourcing or looking for a mortgage can be a difficult process, even with all the information we find at our fingertips.

There are thousands of possible options and choices, and a lot of industry jargon around mortgages such as early redemption penalties, SVR’s, LTV’s, etc. etc.

We believe at Thinking Finance that you should be able to hand the process of finding a suitable mortgage for you over to us while you get on with earning money in your chosen field, leaving all the headaches to us, and believe us mortgages can be a headache especially in the arena we find ourselves in at the moment. As Independent Mortgage Brokers we are well placed to sift through the market place on your behalf and as we are independent we can use anyone.

We can arrange a face to face meeting, either in your own home or at work with an independent mortgage adviser to discuss your mortgage or remortgage requirements.

First Time Buyer Mortgages

A First Time Buyer (FTB) mortgage can be arranged through a mortgage broker, giving you access to guidance and a wider choice of lenders than you might find on your own.

A broker takes time to understand your circumstances, explain the different types of mortgages available, and help you navigate the application process with confidence. They also compare products across the market to identify options that suit your budget and long‑term plans, making the journey to buying your first home feel more manageable and less overwhelming.

Buy To Let Mortgages

A Buy to Let mortgage can be an effective way to build long‑term income, but the landscape can feel complex without clear guidance. As an independent mortgage broker and IFA, I offer whole‑of‑market advice to help you understand the lending criteria, tax considerations, and affordability rules that shape today’s BTL market.

Whether you’re purchasing your first rental property or expanding an existing portfolio, I take time to explore your goals, assess your circumstances, and identify suitable lenders and products. The aim is to give you clarity, confidence, and a well‑structured plan that supports sustainable investment decisions.

Holiday Buy to Let Mortgages

A standard Buy to Let mortgage is designed for long‑term residential rentals, where tenants live in the property on an assured shorthold tenancy. A Holiday Let mortgage, on the other hand, is built for short‑term stays such as holiday bookings, meaning lenders assess it differently.

Income is usually based on projected seasonal rental figures rather than monthly rent, and criteria can be stricter around property type, location, and personal income. An independent mortgage broker helps you navigate these differences, compare lenders who specialise in each area, and find a product that fits the way you plan to use the property.

Commercial Mortgages

Using an Independent Financial Adviser to source a commercial mortgage gives you access to whole‑of‑market expertise and clear, unbiased guidance at every stage. Commercial lending is often more complex than residential borrowing, with each lender applying its own criteria, pricing structures, and underwriting approach.

An IFA takes the time to understand your business, cash flow, and long‑term plans, then matches you with lenders whose appetite and terms genuinely fit your needs. You also benefit from support in preparing documentation, presenting your case effectively, and navigating negotiations, helping you secure a suitable and sustainable funding solution with confidence.

Clear, Independent Financial Advice for Every Stage of Life

Mortgages

Expert guidance to help you secure the right mortgage for your needs, whether you're first time, moving, or remortgaging.

Investments

Tailored investment strategies designed to grow your wealth and help you reach your long-term financial goals.

Pensions

Get clear, practical guidance on your pension. From understanding your options to making the most of your money.

Equity Release

Unlock the value in your home without having to move. Equity release lets you access tax-free cash in later life.

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