Mortgages of all shapes and sizes

Use our affordability calculator and read more about the types of mortgages we can advise you on. 

Residential mortgages

If you’re looking to borrow money for a new home to live in, you need a residential mortgage. 

 

The first step with one of these is to work out your budget, so if you’re in the very early stages, it’s a good time to give us a call so we can run through your income and outgoings to see what you can borrow. We have access to a lot of information that can help you here, so even if you’re not sure you’re ready, have a very small (or no) deposit, or have a poor credit score, we can talk you through what you need to do to get yourself mortgage-ready. 

Buy-to-let (BTL) mortgages

 

This type of mortgage is used if you’re buying a property for investment purposes, and you plan to rent the property out. You’ll want to make sure you’re maximising your profits and having the best possible mortgage product will help you do that.

 

Whether you’re an aspiring landlord or a seasoned investor, we’ll tailor a BTL mortgage search to you, providing the tools and support you need to make your investment goals a reality.

 

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Self-employed mortgages

There’s a certain amount of pessimism surrounding mortgages for the self-employed, but it’s not as gloomy as you’ve been led to believe. At Pagoda, we specialise in helping self-employed customers secure mortgages, no matter how complex the system may seem. As long as you have at least one year’s trading history (not two years’, like many people seem to think), let’s talk it through.

Mortgages for non-UK residents

This is another type of mortgage that often comes with some off-putting complications, but it’s not impossible, and we have quite a bit of experience at making it work. If you’re living in the UK on a visa, let’s talk about what you might be able to afford. 

Your home may be repossessed if you do not keep up repayments on your mortgage.

Still got questions?

Feel free to ask us anything about the process, any time.