Mortgages
Residential, buy-to-let and specialist mortgages. We'll speak to the lender, deal with the paperwork and look at the borrowing alongside the rest of your finances.
The borrowing decision, taken seriously.
Residential
Buy to let
Remortgaging
Specialist lending
A mortgage is rarely the only decision in play. What you borrow changes what you can invest, and what you owe changes how much cover you need, so we look at it alongside the financial planning work rather than on its own.
On scope. Our mortgage advice is representative of the whole of the market, though it does not include deals that you can only obtain by going direct to a lender.
A mortgage costs time as well as money. The lender conversations, the document requests that arrive twice, the chasing that nobody warns you about. We do that part, so the week you would have lost to it stays yours.
If you want to put your own numbers in first, the repayment calculator shows the monthly cost and the total interest, and the overpayment calculator shows what paying a little extra takes off the term.
The problem we solve
Lenders are not reading the same accounts you are.
Two lenders can look at one set of company accounts and arrive at borrowing figures a hundred thousand pounds apart. One takes salary plus dividends. One takes salary plus your share of net profit. One wants three years of trading, another will look at one. None of that is visible from a comparison site.
So the job is not finding the cheapest rate. It is knowing which lender reads your particular income in the most favourable way, and then presenting it to them properly the first time, because a declined application leaves a mark.
What we arrange
The cases we handle most often.
Residential, when your income is complicated
Company directors, recently self-employed, income that swings with the year, bonus and commission structures, or a deposit that came from somewhere a lender will ask about. All perfectly lendable, all routinely mishandled.
Buy to let and portfolios
Personal name or limited company, first purchase or a portfolio being restructured. Stress testing, tax treatment and lender appetite all move together, and the right answer for four properties is rarely the right answer for one.
Specialist and the awkward cases
Bridging, adverse credit, unusual construction, short lease, a purchase running against a deadline. The cases where the answer is a phone call to an underwriter rather than a form.
What we actually do for you
We work out what is achievable before you offer on anything, so you are bidding with a number you can stand behind. We package the application properly, deal with the lender and the underwriter directly, and chase the parts that stall.
Then we tell you when your rate is ending rather than waiting for you to notice. Slipping onto a lender's standard variable rate is the most expensive avoidable mistake in this whole process, and it happens to people who simply had a busy autumn.
Borrowing changes how much cover you need, which is covered on our insurance page.
Questions people ask about borrowing
Can Lucro help if my income comes from a limited company?
Yes, and it is the situation most of our clients are in. Lenders treat salary plus dividends, retained profit and short trading histories very differently from one another, so the same set of accounts can produce widely different borrowing outcomes depending on which lender sees them. We handle that conversation with the lender rather than sending you to have it.
How much can I borrow as a company director?
It depends entirely on which lender you ask. Some use salary plus dividends, some use salary plus your share of retained profit, and the gap between those two calculations can be very large for a profitable company that pays out modestly. There is no single answer, which is precisely why the lender choice matters more than the rate.
How long do I need to have been self-employed?
Most lenders want two years of accounts, several will work with one, and a small number will consider less in the right circumstances. If you have recently gone from employed to self-employed doing the same work, that is a case worth making rather than assuming you have to wait.
Should I fix for two years or five?
The honest answer is that it depends far more on your plans than on the rate. If you might move, extend or sell within the term, early repayment charges matter more than the headline number. We would rather ask what you expect the next five years to look like than guess where rates are going.
Do you charge a broker fee?
Any fee is agreed with you in writing before we start, and you will know the amount and when it becomes payable before you commit to anything.
Can you help if I have had credit problems?
Often, yes. Missed payments, defaults and arrangements to pay are all lendable depending on how recent they are, how large, and what caused them. It is worth a conversation rather than assuming the answer is no, because high street rejection is not the same as being unlendable.
When should I start looking?
Before you view anything, if you are buying. Six months before your current rate ends, if you are remortgaging. Rates can usually be secured in advance and reviewed if something better appears, so early costs you nothing and late costs you a lot.
Last reviewed 24 August 2026. We review this page at least every twelve months.
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Tell us briefly what prompted you to look. One of the team will call you back to arrange a proper first meeting.
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