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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. 

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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.

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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.

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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. 

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

How it works

Our process

What our clients say:

David is an extremely professional, helpful and attentive mortgage broker. We had the pleasant experience of using his services to purchase our first property and the experience was very smooth process (unlike the experience we had using some of the estate agent brokers).

Rakesh C

July 2023

David Goodman has been an absolute gem in the midst of what has been an extremely turbulent time for the housing market.

Declan Z

May 2023

Excellent customer service all round, David understood our situation clearly and found a mortgage that met our needs in a timely manner. Clear communication throughout the whole process, David was very responsive, would highly recommend. Will use again, for sure.“

Lorraine D

June 2023

David at Pagoda has been truly outstanding.. and i cant thank him enough he ensured that the product, services, rates and lender were suitable for our needs. He always keeps us fully updated and ensured we understood the process and guided us through everything in great detail. We have used David before and will be using his services again. I would highly recommend his service.

Phe W

May 2023

David is excellent at what he does, he is clear and concise with the information he gives and most definitely goes the extra mile for his clients.

Karan

July 2023

I have used big companies in the past and felt like I could never get the advisor on the phone or get an update for days at a time. David looked after everything in a timely manner from the first call, all the way to when we got the keys.

Tom D

April 2023

David couldn't do enough for us for our first ever mortgage. He left no stone unturned and went through our many different options

Iain W

February 2023

Highly recommended! Incredible professional service with that personal touch! Everything we needed was completely dealt with fast and accordingly and helped us secure our first ever home! Couldn’t recommend Dave more highly!”

Joe B

April 2023

With the uncertainty of the mortgage market at the moment. You need someone like David to find you the best deal.

Tom P

September 2022

I can't recommend David enough for his mortgage services. He was able to demystify the entire mortgage process from start to finish and be at hand to answer any questions I had. Always responds in a timely manner and provides unbiased and honest advice throughout.

Chi S

August 2022

David is superb at what he does. Nothing is too much trouble. Very knowledgeable and gave guidance on every step Always friendly, pleasant and a pleasure to speak with. I wouldn't hesitate to recommend David and Pagoda Mortgage Services

Sarah H

June 2023

Still got questions?

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

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