UK Mortgages : First-Time Buyer, Remortgage & Buy-to-Let Home Loans

At HomeBuyService.co.uk, we understand that finding the right mortgage can be one of the most critical parts of purchasing a home—whether you're buying your first property, looking to remortgage, or investing in buy-to-let. While we are not mortgage advisors ourselves, we specialise in helping you connect with trusted, FCA-regulated mortgage experts who can guide you every step of the way.

We have access with a wide network of whole-of-market mortgage brokers across the UK, meaning they have access to a broad range of mortgage products from high street lenders to specialist providers. These experts offer impartial advice tailored to your circumstances, ensuring you find a mortgage that fits your financial goals and property plans.

Why Use HomeBuyService.co.uk?

  • We connect you with qualified, FCA-authorised mortgage advisors
  • All advisors offer whole-of-market access, not tied to specific lenders
  • You’ll receive tailored mortgage advice that suits your personal goals
  • We offer a quick, no-obligation enquiry process
  • We’re here to simplify the process—not sell, but support

HomeBuyService.co.uk is your first step toward securing the right mortgage, by introducing you to the people who can make it happen. Our service is completely free to use, and there’s no pressure—just smart connections with professionals who put your needs first.


First-Time Buyers

Getting on the property ladder can be daunting, especially when it comes to understanding your mortgage options. We make it easier by introducing you to advisors who specialise in helping first-time buyers secure affordable home loans.
Even if you’re looking into government schemes like Shared Ownership, or low-deposit mortgage options, we can connect you to mortgage experts who can help walk you through the process with clarity and confidence.

First-Time Buyer Mortgage Experts

Remortgages & Switching

If your fixed rate is ending, your financial situation has changed, or you simply want to explore better deals, remortgaging could save you thousands. Through HomeBuyService.co.uk, you can access brokers who compare the entire mortgage market to help you switch to a deal that better suits your current needs.

Find remortgage experts who can assess your current situation and explore all the remortgage options available to you now!

Find Remortgage Experts Near Me

Buy-to-Let & Investments

For landlords and property investors, securing the right mortgage is crucial to maximising rental income and long-term return on investment. So if you are looking to invest in a rental property we can connect you with advisors who understand the complexities of buy-to-let mortgages and work with specialist lenders catering to landlords.

Whether you're purchasing your first rental property or expanding your portfolio, we can help you find a mortgage that supports your goals.

Buy-to-Let Experts Near Me

Mortgage Rate Change Calculator

Estimated Monthly Payment Change

* The figure shown is for illustrative purposes only.

 

Find a lower Mortgage Rate

Find out if you can get a lower rate and save money. Whether you're looking to remortgage,  new buy to let, a residential mortgage, or a commercial loan or want to explore new rates, just enter your location below and to answer a few simple questions and sit back, and let us do the legwork to put you in touch with Local FCA regulated Mortgage Advisers who can find the best mortgage rates for your needs.

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Choosing the Right Mortgage Type

When it comes to mortgages, there are various options available catering to different needs and circumstances. First-time buyers embark on a significant milestone in their lives, venturing into the world of homeownership for the very first time. This type of mortgage is specifically designed to assist those who have never owned a property before, providing them with financial support and guidance throughout the process. On the other hand, purchase mortgages are suitable for individuals looking to buy a new home while already having experience as homeowners.

Remortgages serve as an opportunity for borrowers to switch lenders or negotiate better terms on their existing mortgage arrangements.

For those interested in investment opportunities, buy-to-let mortgages offer financing solutions tailored specifically towards purchasing properties with intentions of renting them out. This avenue provides potential landlords with access to funds that can help build up a rental portfolio and generate income through tenants.

Right to Buy cater specifically to council or housing association tenants who wish to purchase their rented property at a discounted price offered by local authorities under certain conditions.

Let-to-buy mortgages enable current homeowners who want to move but prefer not selling their current residence yet; instead, they convert it into a rental property while purchasing another home themselves. This arrangement allows individuals flexibility in managing their assets effectively without losing out financially during transition periods.

Equity release serves as an option primarily targeted at older homeowners looking for ways to unlock some of the value tied up in their homes without needing immediate repayment obligations. It provides financial stability during retirement years by offering either lump sums or regular income.



 

Types of Mortgages Available

Whether you are first time buyer, looking to buy your next home, a tenant wanting to purchase your home through Right to Buy, or an investor considering a Buy to Let property purchase, or if you are simply just looking to release equity in your retirement or looking for  a better rate with a remortgage. You have a come to right place!

Find  out more the different types of mortgages available.

Use our Mortgage Calculator

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£1421

Monthly Payment

Principal & Interest £1421

Monthly Taxes £1421

The information provided by this Mortgage calculator is for illustrative purposes only and accuracy is not guaranteed. The values and figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a Regulated Financial Adviser prior to relying on these results.

Find Mortgage Advisers Near You!

Finding professional mortgage advisers in your area is easy through homebuyservice.co.uk. Whether you're looking for buy to let, a residential mortgage, or a commercial loan just enter your location in the form to answer a few questions and sit back. We’ll do all the legwork to put you in touch with great independent mortgage advisers near you!