First-time buyers
Understand your budget, deposit, agreement in principle and every stage between searching and collecting the keys.
Start your enquiryPersonal mortgage advice
More choice. Less confusion. A mortgage built around you.
I research thousands of mortgage products across a broad range of lenders, then explain the suitable options clearly and stay beside you from the first conversation to completion.
Personal recommendationApplication supportComplex cases considered
Start here
Tell me what you need.
A few details are enough to begin. Your enquiry comes straight to me.
Thank you. Your enquiry is with me.
I’ll review it and get in touch.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why use a broker?
A bank can discuss its own mortgages. I can compare suitable products from the broad lender range available through my approved sourcing arrangements.
Whatever your starting point
Mortgage advice for real life, not just the straightforward cases.
Every lender assesses income, commitments, deposit, credit history and the property differently. I look at the complete picture before recommending a route.
Moving home
Work through your existing mortgage, onward purchase, new borrowing and the timing of a connected transaction.
Talk to meRemortgaging
Review your current deal, changing needs and whether a new lender or product transfer may be suitable before your rate ends.
Review your mortgageBuy-to-let
Explore mortgage options for a rental property, whether you are considering your first investment or adding to a portfolio.
Discuss your plansSelf-employed and contractors
Present income clearly using the evidence a suitable lender expects, including accounts, tax calculations or contract details.
Explain your incomeCredit concerns
Past missed payments, defaults, CCJs or a previous decline do not always end the conversation. I can assess the detail before choosing an approach.
Ask in confidence
Advice beyond a comparison table
The product is only part of the decision.
A competitive rate matters, but so do lender criteria, fees, incentives, flexibility, early-repayment charges and the likelihood that the application fits the lender’s requirements.
I consider the overall suitability of the mortgage and explain the trade-offs before you decide whether to proceed.
- Research
Broader product research
Thousands of mortgage products can be considered across the lender range available through our approved sourcing arrangements.
- Criteria
Criteria knowledge
The search can account for how different lenders treat income, employment, deposit sources, credit history and property types.
- Preparation
Application preparation
I confirm what the selected lender needs and help prepare a complete, consistent application.
- Support
Ongoing support
I submit the application, answer questions and help keep the mortgage side moving through underwriting, valuation and offer.
Your mortgage journey
From first conversation to mortgage offer.
The exact route varies, but this is what most clients can expect when working with me.
- Understand
Your plans, income, commitments, deposit, credit history and priorities.
- Prepare
Affordability is explored, documents are gathered and an agreement in principle may be arranged.
- Research
Suitable products and lender criteria are compared, with the recommendation explained clearly.
- Apply
Once you choose to proceed, I prepare and submit the full mortgage application.
- Progress
The lender assesses the application and property while I handle queries and keep you informed.
- Offer
If approved, the formal mortgage offer is issued and the legal work continues towards completion.
Prepare with confidence
Documents your lender may ask for.
Requirements vary by lender and circumstances. I’ll confirm the exact list before an application, but preparing the basics early can prevent avoidable delays.
Self-employed?You may also need accounts, SA302s or tax-year overviews and business bank statements.
- Photo identificationFor example, a valid passport or driving licence.
- Proof of addressRecent documents showing your current residential address.
- Proof of incomePayslips, P60, accounts, tax calculations or suitable contract evidence.
- Bank statementsRecent personal statements and any additional statements the lender requests.
- Deposit evidenceSavings statements and evidence for a gifted deposit where applicable.
- Existing commitmentsLoans, credit cards, childcare, maintenance and other regular expenditure.
Understanding the options
Different mortgages solve different needs.
I’ll recommend a suitable structure for your circumstances. These are common features you may discuss.
Predictable payments for an agreed period.
The interest rate remains fixed during the initial deal, giving more certainty. Early-repayment charges may apply.
Payments that can move with the rate.
The interest rate may rise or fall, so monthly payments can change. The exact mechanism depends on the product.
Paying interest and capital each month.
If all payments are made as planned, the mortgage balance is repaid by the end of the term.
Lower monthly mortgage payments, with a separate repayment plan.
You pay the interest but still owe the original capital at the end. Lenders require a credible repayment strategy.
Led by Chloe, senior broker
Real people who stay involved.
I lead the Wilding Mortgages team and set the standard for the advice we provide. We learn your circumstances, explain the reasoning behind our recommendation and stay involved as your application moves forward.
Any broker fee and the way Wilding Mortgages is paid will be explained clearly before you agree to proceed.
Choose a convenient time
Book your mortgage appointment now.
Choose from my live availability. Your callback request goes directly into the Wilding Mortgages diary.
Callback requested
You’re in my diary.
I’ll call you at the number provided.
Mortgage questions
Clear answers before you begin.
How much might I be able to borrow?
Lenders assess income, regular commitments, expenditure, dependants, credit history, deposit and the mortgage term. Online multiples are only a rough guide; I can assess the complete picture.
What is an agreement in principle?
It is an estimate from a lender of what it may be prepared to lend, based on initial information and sometimes a credit check. It can help establish your budget, but it is not a formal mortgage offer or guarantee.
How much deposit do I need?
It depends on the lender, product, property and your circumstances. A larger deposit can reduce the loan-to-value and may open access to different products, but I can discuss the options available from your actual starting point.
Can I get a mortgage if I am self-employed?
Potentially, yes. Lenders use different methods to assess self-employed income and may request accounts, tax calculations, tax-year overviews or other evidence. I can identify how your income is best presented.
What if I have bad credit or have been declined?
A missed payment, default, CCJ or previous decline does not automatically mean there is no route forward. The type, amount, age and reason matter. Speak to me before making repeated applications so I can review the details and suitable lender criteria.
How long does a mortgage application take?
There is no guaranteed timescale. It depends on the lender, application complexity, document quality, valuation, property and current demand. I’ll explain what is happening and respond to lender queries as the case progresses.
When should I start looking at a remortgage?
Starting before your current deal ends gives time to assess the alternatives and prepare. The right timing depends on your existing rate, early-repayment charges, lender and personal plans.
Will I pay a broker fee?
Any fee, when it becomes payable and how Wilding Mortgages receives payment will be explained before you agree to proceed. This will also be set out in the relevant service documentation.
Protect what you are building
A mortgage gets you home. Protection helps you keep it.
I can also help you explore life insurance and related protection based on your circumstances and priorities.
Important informationMortgage availability and terms depend on your circumstances and lender criteria. An agreement in principle is not a guarantee that a full mortgage application will be accepted.