Find the Right Mortgage for Your Situation
Clear, simple guidance for first-time buyers, movers, self-employed clients and more.
Types of mortgage solution we offer
Choosing a mortgage shouldn’t feel overwhelming, and it doesn’t have to. Whether you’re buying your first home, moving, remortgaging, or navigating things like adverse credit or self-employment, the right option is out there. My job is to help you find it.
I take the time to understand your circumstances, explain your choices in plain English, and guide you through each step with clarity and confidence. Every situation is different, which is why your advice should be too.
Below, you’ll find an overview of the mortgage types I support, and how each one could help you move forward. If you’re unsure which fits you best, just reach out, I’m here to make the process simple.
First-Time Buyer Mortgages
Buying your first home can feel overwhelming, but it doesn’t have to be. I guide you through every step, from understanding your budget to choosing the right lender and getting your mortgage offer.
Everything is explained clearly, without jargon, so the whole process feels simple and stress-free.
Best for:
• Anyone buying their first home
• Buyers unsure about deposits or schemes
• Those wanting guidance from start to finish
Self-Employed Mortgages
Self-employed mortgages are all about presenting your income correctly. Whether you’re a sole trader, contractor, freelancer, or limited company director, I help you understand what lenders look for and how to maximise your affordability.
From SA302s to day rates to retained profit, I match you with lenders who assess your income properly.
Best for:
• Sole traders, contractors, freelancers, LTD directors
• Irregular or multiple income streams
• Anyone unsure how their accounts affect borrowing
Adverse Credit
Defaults, CCJs, missed payments, DMPs, they don’t always mean a “no.” Many lenders look beyond past credit issues and focus on your current situation. I help you understand your options clearly and find lenders who are open to your circumstances, so you know exactly what’s possible.
Best for:
• Anyone with recent or historic credit issues
• People declined by high-street lenders
• Buyers unsure how their credit affects eligibility
Second Charge Mortgages / Secured Loans
If you need to raise money but don’t want to change your main mortgage, a second charge could be the smarter option. You keep your existing rate and borrow separately, ideal for home improvements, debt consolidation, or major expenses.
Best for:
• Homeowners on a low fixed rate
• Those facing high early-repayment charges
• Anyone raising funds without remortgaging
Remortgages
Whether your current deal is ending, your payments are rising, or you’re thinking about borrowing more, remortgaging can help you take control. I compare lenders across the market to find a deal that fits your goals — whether that’s lowering your monthly payment, securing a new fixed rate, or releasing equity for home improvements.
Best for:
• Homeowners whose fixed rate is ending
• Anyone wanting to reduce monthly payments
• People looking to raise funds for renovations or major expenses
• Those wanting to avoid moving to a higher standard variable rate
Buy to Let Mortgages
Whether you’re an experienced landlord or buying your first investment property, I help you navigate the lender criteria, rental calculations, and deposit requirements. From personal BTLs to limited company structures, I ensure your mortgage suits your long-term investment plans.
Best for:
• First-time and experienced landlords
• Investors buying through a limited company
• People expanding their property portfolio
• Those refinancing to improve rental yield or release equity
Contact Us
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Whether you're self-employed, have adverse credit, or just want a clearer path to buying or remortgaging we help you understand your options and get the right mortgage for your situation.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON YOUR MORTGAGE.
BT Mortgage Advice is not a mortgage intermediary. BT Mortgage Advice makes introductions to CMME Mortgages & Protection Ltd to provide mortgage solutions. CMME Mortgages and Protection limited is registered in England and Wales (04886692) is authorised and regulated by the Financial Conduct Authority (414798).