Mortgages made simple
Whether you’re buying your first home, moving, remortgaging, investing in property or self employed, we’re here to make finding the right mortgage feel straightforward.
We’ll take the time to understand your circumstances, explain your options clearly and guide you through the process from start to finish.
How we can help
From getting your foot on the property ladder to reviewing an existing mortgage, our advisors are here to help you understand your options.
First Time Buyer
Buying your first home? We’ll help you understand deposits, affordability, mortgage options and what happens next.
Buy to let
From your first investment property to expanding an existing portfolio, get straightforward guidance on your mortgage options.
Self Employed Mortgages
Sole trader, company director, contractor or business owner? Your income doesn’t always fit neatly into a box. We’ll take the time to understand it.
Remortgaging
Coming to the end of your current deal or wondering whether there’s a more suitable option? Let’s review your mortgage.
Buying Your First Home
Your first mortgage doesn’t need to feel overwhelming.
Buying your first home is exciting, but there are naturally a lot of questions. How much can I borrow? How much deposit will I need? What will my monthly repayments look like? Where do I even start?
That’s where Sage Financial Solutions can help.
We’ll get to know your circumstances, income, deposit and future plans before explaining your mortgage options in straightforward language.
We can help you with:
✓ Understanding how much you may be able to borrow
✓ Working out your deposit requirements
✓ Obtaining a Mortgage Agreement in Principle
✓ Exploring suitable mortgage options
✓ Submitting your mortgage application
✓ Understanding the costs involved in buying a home
✓ Supporting you throughout the process
Still saving for your deposit?
You don’t need to be ready to make an offer before speaking to us.
If you’re planning ahead, we can help you understand what you may need so you can prepare with confidence.
Your mortgage, made simpler.
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1. Tell us about you
Book a consultation and tell us about your circumstances, finances and what you’re hoping to achieve.
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2. Understand your options
We’ll explain the mortgage options available to you clearly, without unnecessary jargon.
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3. Apply with confidence
Once you’re happy to proceed, we’ll support you with your mortgage application and paperwork.
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4. We’re with you along the way
We’ll help keep things moving and be here to answer your questions throughout the process.
Got more mortgage questions?
Buy to let mortgages
Whether it’s property number one or property number twenty, your mortgage needs to work with your investment plans.
Buy to Let mortgages work differently from standard residential mortgages. Lenders may consider factors including expected rental income, your deposit, your financial circumstances and the type of property you’re purchasing.
With criteria varying between lenders, having someone help you navigate the options can make the process much simpler.
The Financial Conduct Authority does not regulate most forms of Buy to Let mortgages.
We can help if you’re:
✓ Purchasing your first rental property
✓ Expanding an existing property portfolio
✓ Remortgaging an investment property
✓ Switching your current Buy to Let mortgage
✓ Exploring your options as a landlord
Self Employed?
Getting a Mortgage Might Be More Straightforward Than You Think.
Being self employed shouldn’t automatically stand between you and your property plans.
Different lenders can assess self employed income in different ways, which is why understanding your circumstances properly matters.
Whether you’re a:
Sole trader • Limited company director • Contractor • Partner • Multiple income earner
we’ll take the time to understand how you earn your money and how your business is structured.
Your income might fluctuate. You might retain profits within your company. Perhaps you’ve only recently become self employed. Rather than taking a one size fits all approach, we’ll look at your circumstances properly and help you understand your options.
Could it be time to remortgage?
Your mortgage might have been right for you when you took it out, but your circumstances and the mortgage market can change.
If your current deal is approaching its end, your payments are changing or you simply want to understand what other options may be available, it could be worth reviewing your mortgage.
You might be looking to…
✓ Secure a new mortgage deal
✓ Gain more certainty over monthly payments
✓ Change your mortgage term
✓ Raise funds for home improvements
✓ Explore whether another option could suit you better
We’ll review your current mortgage alongside your circumstances and future plans, explain the available options and guide you through the process.
Not sure where to start?
We’re here to help.
Whether you’re looking to protect your business, your family or your future, you don’t have to figure it all out alone.
Our friendly, experienced advisors are here to understand what matters to you, answer your questions and talk you through your options clearly, without pressure or complicated jargon.
Simply fill in the form below and choose a time that works for you. One of our friendly team will give you a call at your selected time for an informal, no obligation conversation about how we can help.
No hard sell. No confusing terminology. Just straightforward, personal advice built around you.
Book your consultation today and take the first step towards protecting what matters most.
Why Sage Financial?
There’s plenty of mortgage information online. What’s harder to find is someone who will take the time to understand you.
At Sage Financial Solutions, we believe financial advice should feel personal, understandable and reassuring. We’ll explain your options clearly, answer your questions and help you make informed decisions without unnecessary jargon or pressure.