Residential Mortgages
Expert mortgage solutions for homebuyers across the UK
Important Mortgage Information
Your property may be repossessed if you do not keep up repayments on your mortgage. This page provides general information about residential mortgages. For personalized advice, STP Finance will connect you with our trusted FCA regulated partner mortgage broker.
What Are Residential Mortgages?
Residential mortgages are loans secured against property that you intend to live in as your main home. Whether you're buying your first home, moving to a new property, or remortgaging your existing home, residential mortgages provide the financing to make homeownership possible.
Through our partnership network, we connect you with an accredited mortgage broker who has access to thousands of residential mortgage products from across the UK market, including exclusive deals not available directly to the public.
Types of Residential Mortgages We Arrange
First Time Buyer Mortgages
Taking your first step onto the property ladder? We specialize in helping first-time buyers navigate the mortgage process, including:
- Help to Buy schemes and government initiatives
- 95% and 100% mortgages for smaller deposits
- Shared ownership mortgages
- Lifetime ISA applications
Home Mover Mortgages
Moving to a new home? We'll help you find the best mortgage deal for your next property, including:
- Porting your existing mortgage
- Bridging finance for chain-free purchases
- Competitive rates for larger properties
- Let-to-buy mortgages (keep your current property)
Remortgages
Save money by switching to a better mortgage deal. Remortgaging can help you:
- Secure lower interest rates
- Release equity from your property
- Consolidate debts
- Avoid your lender's standard variable rate
Specialist Mortgages
We arrange mortgages for non-standard situations, including:
- Self-employed and contractor mortgages
- Adverse credit mortgages (CCJs, defaults, bankruptcies)
- Zero-hour contract and temporary worker mortgages
- Right to Buy mortgages
How Our Partner Helps You Secure the Best Mortgage
Whole-of-Market Access
They search thousands of mortgage products from over 90 lenders to find you the best deal.
Expert Application Support
They handle all paperwork and liaise with lenders to maximize your chances of approval.
Overcoming Obstacles
Specialist knowledge to help clients with credit issues, complex incomes, or unique circumstances.
No Upfront Fees
You only pay upon successful mortgage completion - no risk to you.
Ready to Find Your Perfect Mortgage?
Contact us and we'll connect you with our FCA regulated partner broker for expert mortgage advice. Free consultation with no obligation.
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