Mortgages
Whether you’re buying your first home, moving, remortgaging, or investing, we offer clear, tailored advice to help you find the right deal and guide you every step of the way.
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MORTGAGES FROM MORTGAGE LIGHT
Mortgage advice for Milton Keynes and across the UK
Here at Mortgage Light, we not only explain what a lender can lend, but also talk you through the buying and selling process.
We can discuss whether it is better staying where you are and extending, or selling up and buying a new home. Our job is to discuss your options and help you decide which avenue is best for you once you know all the facts and the costs that are involved.
It will cost you to move - solicitor fees, estate agent charges, and more - and we’ll make sure you’re fully aware of what’s involved. Alongside that, we’ll help you understand your shopping budget: what you’re comfortable spending each month, plus the ongoing running costs of your new home. The costs can vary depending on whether you're buying for the first time or moving home. At Mortgage Light, we’ll flag any fees you might not have expected, and help you set realistic house values or price ranges that feel right for your situation.
If you're in Milton Keynes, pop into our office, we’d love to see you. If you're working or just busy, we can speak in whichever way suits you, by phone, video or email. And if you’ve recently moved to the area and haven’t found your local broker yet, we’d love to be that for you.
Not based in Milton Keynes? No problem. Everything above can be done remotely, but you’re always welcome to visit us in person if you’re nearby. Whether you’re just down the road or across the country, we’re set up to work around you!
Which mortgage is right for you?
Got a query about mortgages? Whether you’re buying your first home, moving, remortgaging, or investing, we offer clear, tailored advice to help you find the right deal and guide you every step of the way.
First time buyers
Buying your first home is a big milestone, and we’re here to make it smooth and exciting. We’ll help you understand what you can afford, set a budget, secure a Decision in Principle, and guide you through everything from property searches to paperwork.
Homemovers
Moving home can be a lot to manage, but Mortgage Light makes it smooth and stress-free. We’ll understand your goals, explore your options, and support you with everything from budgeting & securing a Decision in Principle right through to completion and beyond.
Shared ownership
Shared Ownership is a popular affordable way to buy, letting you purchase a share of a property with the option to buy more over time. We're specialists in this area and have helped many customers own 100% of their home within just a few years.
Remortgages
Our expert remortgage team is here to help, whether you're an existing client or nearing the end of your current deal. We'll explore your options, including any extra borrowing, and compare them with your current lender to help you feel confident about your next mortgage move.
Buy to let / Investors
Investing in buy-to-let can be a great way to build wealth and generate income. We offer expert guidance, take time to understand your goals, and find tailored mortgage solutions from traditional buy-to-let to alternative finance options.
Commercial mortgages
We offer commercial finance solutions to help you grow your business, from buying premises to development or bridging loans, we’ll guide you to the right funding for your needs. With expert advice and access to a wide range of lenders, we’ll find a solution that fits your goals.
Remortgage
A remortgage gives you choice, and control! Or dedicated remortgage team makes this easy for you. Simply contact us to arrange to come in and discuss your needs. Pushed for time? Just give us a call, we will be able to go through your options in a quick chat over the phone.
Shared Ownership
It is the most common affordable purchase option, quite simply you purchase a share of the property, with the remaining proportion being retained by a Housing Association who then charge a monthly rent. Share values vary but most commonly they are between 30% and 50%.
Bad Credit Mortgages
Having a less-than-perfect credit history doesn’t mean you can’t get a mortgage - even if a lender has turned you away in the past, it still may be possible for you to obtain an ‘adverse credit mortgage’ or ‘bad credit mortgage’. Download your full credit report here
Buy to Let Mortgages
The Buy to Let market is always changing, and we aim to keep our advice clear and straightforward. Unlike residential mortgages, Buy to Let applications are assessed differently, lenders look at things like rental income, property type, and whether you're applying as an individual or through a limited company. As criteria can vary, we’ll guide you through what's needed to get the right Buy to Let mortgage for your situation.
Mortage Light, here to help you
Explore the different types of mortgages we offer to see what might suit your situation. Click on each option to find out more. Not sure where you fit? Just fill in our quick form and we’ll point you in the right direction.
First time buyers
Home owners
Existing customers
Buy-to-let investors
Shared ownership
High net-worth
💡 Working with the leading lenders in the whole of market...
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CONTACT US TODAY
Straight talking mortgage advice.
We make this easy for you. Simply contact us to arrange to come in and discuss your needs. If you’re pushed for time, call one of our expert advisers and we will be able to go through your options in a quick chat over the phone.