We work with clients of all sorts from homeowners who want to remortgage to save money, first time buyers getting on the property ladder, people looking for overseas homes, to sophisticated property investors.

Help and advice for


When the time comes for you to make your first foray into the property market you will probably have a mix of excitement and trepidation. 
That trepidation is healthy and indeed justified for the unprepared but, with our guidance,  you can enjoy the excitement as our knowledge keeps you safe from the usual errors.

Mortgages for


Most people don’t move very often so when they do, they have generally forgotten most of the home buying and mortgage process. We often provide just as much support to those second, third and even fourth time homebuyers as we do to First Time Buyers.

Saving money with a


When you took out your current mortgage you may have had an introductory deal on your interest rate – when this ends you’ll usually be put on a less competitive variable rate. When was the last time you reviewed your mortgage? Is it still the most competitive mortgage to meet your objectives? A review might reveal ways to reduce your current monthly payments or manage your mortgage down to zero as effectively as possible and it costs nothing to explore your options.

A means to release money from your property.


Equity release allows you to release money from your property without having to move or sell your house. There is a no negative equity guarantee which means you and your family will never owe more than the value of your home.

From the accidental landlord to the professional property investor.


We have clients with a great many properties in their portfolios and those who have only just started out with their first buy-to-let investment.  For those who are just getting started in property we are on hand to give you a starter course or just guidance as you need it – get in touch and work with us any way you choose.

Bringing your plans to life.


We also assist with commercial mortgages, whether it is a simple property purchase, a property investment for your SSAS/SIPP or financing for major building projects.

Free mortgage


Speak to an adviser who will assess your objectives, current position, and help you plan a course of action. It’s also an opportunity for you to get to know us before deciding to engage our services. You can ask as many questions as you need. Your first meeting with us where we will discuss the ways in which we might help you is free of charge. Contact us today to book an appointment.

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which may require us to share it with Radcliffe & Newlands Estate Planning Ltd. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy.

A Mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The Financial Conduct Authority does not regulate most forms of Buy to Let Mortgage and most forms of Commercial Mortgage.