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Mortgage finder

Mortgage finder

Use our mortgage finder tool to compare 1000s of mortgage deals for your property purchase or remortgage.

Then call our mortgage advisers for expert advice regarding your income, outgoings, credit history or other personal circumstances. This will ensure that you qualify for the deal that you like in the mortgage finder tool and we may even find you a better deal once you tell us more about your current situation!

Whole of market

We offer independent mortgage advice across the whole market – not just what you can find on the high street.

  • Access to over 130 lenders
  • Choice of over 20,000 deals

All this means we’ll always guarantee to find you the best mortgage deal available.

Always available

We work around your busy life to make getting a mortgage as easy as possible.

  • Contact us in the way you prefer: phone, email, Whatsapp, or face-to-face.

You don’t need to faff with the Post Office queue either:

  • Upload all your documents using our 24/7 online upload tool.

We do the hard work

Without a broker, you’ll miss out on exclusive deals you can’t find on the high street.

We’re experts on lender criteria:

  • We’ll research and recommend only the most suitable options for you.
  • We’ll also complete all the paperwork for you, to make sure your mortgage application is successful.

Why choose us

Why Choose Us

Independent mortgage brokers serving the entire UK

We don’t think you should waste time filling out forms that aren’t relevant to your mortgage needs.

That’s why we like to speak to you first and build a personal relationship, so you can remain assured you’re getting the best service.

Get personalised mortgage advice today

0208 835 7036





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    Mortgage finder extras

    Our mortgage finder is a quick and easy way to look at current mortgage deals.

    You can do a quick search by selecting whether you’re buying or remortgaging your own home or a buy to let property, how much it is worth, how much deposit you have and what mortgage term you require. You can also use additional features to refine your search results.

    The mortgage finder tool will then search all the deals currently available to find the options that match your requirements. This way, you can compare thousands of results in a few seconds.

    Whilst the mortgage finder tool can show you options, an independent whole of market mortgage broker, like us, can also check which lenders are suitable based on circumstances, such as, your credit history or self-employed situation, for example.

    We have tools to not only search current mortgage deals, but also to check their suitability for you.

    There are well over 130 lenders, but not all of them offer mortgages for the Help to Buy scheme or for an ex-council flat or can accept 1-year self-employed history or applicants with a bad credit history.

    As a broker, our job includes

    • finding lenders that can accept your circumstances and the property you’d like to buy,
    • selecting the best mortgage deal for you from the options available,
    • arranging the mortgage by applying on your behalf and following up with the lender to ensure a smooth transaction and
    • arranging any insurance as appropriate, for example, buildings and contents insurance.

    And, of course, we are also happy to answer any questions you may have during the purchase or remortgage to support you throughout the process.

    • Repayment mortgage – when you make a monthly payment, you pay interest at your interest rate, but part of the amount will also reduce your mortgage balance;
    • Interest-only mortgage – your entire monthly payment is used to pay interest on the mortgage loan, so the balance doesn’t reduce.
    • Fixed rate – Most common choice for people when taking out a mortgage, as it guarantees the interest rate for a period of time. This rate is normally valid for 2, 3 and 5 years, although sometimes there are interest rates fixed for 7 or 10 years as well.
    • Tracker rate – This interest rate usually tracks the Bank of England base rate, although sometimes it may track the Libor rate. If interest rates fall, then you would benefit from lower monthly payments, but if they go up, your monthly payments will increase as well.
    • Discount rate – You get a discount from the lender’s standard variable rate for a number of years. If the lender increases or reduces their standard variable rate, your monthly payments will go up or down too.
    • Standard Variable Rate (SVR) – This is the lender’s interest rate for when you are not tied into a deal and to use as a basis for a discount rate. The lender can change it any time at their discretion.

    Your mortgage amount can be expressed as a percentage of the property value. For example, £80k mortgage on a £100k property is an 80% mortgage or, to put it another way, the loan to value (LTV) is 80%.

    This is the difference between the property value and your mortgage balance.

    For example, if a property is worth £100k and your mortgage is £80k, then you have £100k – £80k = £20k, which is either your deposit or equity, dependent on whether you’re buying or remortgaging.

    When you buy a property, you put this money down from your savings, family gift or inheritance and it’s referred to as your deposit. However, once you own the property, your portion (the above mentioned £20k) is called the equity.

    The mortgage finder tool helps you look for available deals for your planned purchase or remortgage, be it for your own home or for an investment property.

    The “How much can I borrow?” calculator does exactly what it says on the tin, i.e. it aims to give you a ballpark figure regarding your borrowing potential. However, the exact amount will depend on a lot of little details and on each lender’s own algorithm, so please contact us in order to get a precise answer.

    The “mortgage payment calculator” answers your question about how much the mortgage will cost each month. You just type in a few details and have an instant answer. Then it’s easy to change the details and calculate the new monthly mortgage payment.

    The “stamp duty calculator” helps you understand how much stamp duty you will have to pay when your purchase completes. However, your solicitor will confirm the final amount and they will also make the payment to HMRC on your behalf.

    There are additional calculators as well, which may help you answer your questions:

    When you are doing something new for the first time, it can be daunting. We understand it and are here to help you through the whole process.
    Even if you bought a property before, it may be your first remortgage or your first buy-to-let mortgage, so expert advice can go a long way.

    Step 1 – First we discuss your situation and establish how much you can borrow, so you can then look for a property within your price range or consider your remortgage options.

    You may find it helpful to use our mortgage finder tool and some of our calculators.

    Step 2 – Once your offer is accepted on a property or you have decided to proceed with a remortgage, we collect the necessary details and documents and agree on the mortgage deal.

    Step 3 – We structure and submit the mortgage application on your behalf and liaise with the lender, estate agent, developer, solicitor, etc. as appropriate to help things move along.

    Step 4 – After your mortgage offer is issued and the solicitor takes over to finalise the purchase or remortgage process, we will still be here for you to answer any questions you may have and arrange any insurance as per your preference. For example, buildings and contents insurance, life insurance or even landlord insurance.

    After the transaction completes, we could also help you later on to arrange an additional loan for home improvements or to buy an additional property, so just drop us a line and we’ll be happy to assist.

    When you are doing something new for the first time, it can be daunting. We understand it and are here to help you through the whole process.
    Even if you bought a property before, it may be your first remortgage or your first buy-to-let mortgage, so expert advice can go a long way.

    Step 1 – First we discuss your situation and establish how much you can borrow, so you can then look for a property within your price range or consider your remortgage options.

    You may find it helpful to use our mortgage finder tool and some of our calculators.

    Step 2 – Once your offer is accepted on a property or you have decided to proceed with a remortgage, we collect the necessary details and documents and agree on the mortgage deal.

    Step 3 – We structure and submit the mortgage application on your behalf and liaise with the lender, estate agent, developer, solicitor, etc. as appropriate to help things move along.

    Step 4 – After your mortgage offer is issued and the solicitor takes over to finalise the purchase or remortgage process, we will still be here for you to answer any questions you may have and arrange any insurance as per your preference. For example, buildings and contents insurance, life insurance or even landlord insurance.

    After the transaction completes, we could also help you later on to arrange an additional loan for home improvements or to buy an additional property, so just drop us a line and we’ll be happy to assist.

    Building insurance

    If you buy a house, then building insurance will be mandatory to ensure that in case the structure is damaged (e.g. by fire, flood or movement), the insurance will cover at least the mortgage amount.

    Nothing else is compulsory, but of course, it makes sense to cover costly unexpected events.

    Contents insurance

    Contents insurance can pay for replacing your personal belongings if someone burgles your home, there is fire, you accidentally drop your new flat screen TV…and the list goes on.

    Landlord insurance

    If you’re planning to rent out your property then you should consider getting landlord insurance. Landlord insurance protects you as a landlord from risks associated with your rental property. It usually includes buildings and contents insurance, but can also include rental-property specific covers such as protection against loss of rent, and tenant default. It can also cover legal fees and compensation for damage or injury to the tenant due to the property.

    Life insurance

    Life insurance is a one-off payment if you were to die during the mortgage term, so the insurance can settle your mortgage. This would allow your family to stay in the property without worrying about mortgage payments at an already stressful time.

    Critical illness cover

    Critical illness cover would give you a lump-sum if you had a serious illness like cancer, heart attack or stroke as well as dozens of other conditions. This payment may or may not settle the mortgage, but it can help pay for treatment, let you take time off work while recovering or alter your home, if necessary.

    Income protection

    Income protection is designed to give you a monthly income for some time in case you can’t work due to an accident or a long term illness. This covers mental health issues as well.

    Of course, all the insurances come with terms and conditions, optional features and your medical history can influence your options.

    To find the right insurance cover that fits within your budget, speak to our team today. We can compare the whole market, find the most suitable cover and apply on your behalf free of charge.

    Mortgage tools

    Clients Reviews

    Mortgage calculators

    From working out how much you can afford to borrow to understanding how offset mortgages work, our calculators can help.

    Discover how much you could save by overpaying on your mortgage, or what monthly rent you’ll need to charge to cover a buy to let mortgage repayment, with our handy mortgage calculators.

    Mortgage calculators

    I would highly recommend the services of BlueWing Financials and would especially like to thank Lilla and Alexandra, our case handles.

    I was in the process of purchasing my first...
    read more

    Ágnes Jakubisz Avatar
    Ágnes Jakubisz
    17/05/2020

    I used BlueWing Financials to complete my house purchase recently and was incredibly pleased with one's service received. Everything ran smoothly and was explained clearly for me to understand. Lilla... read more

    Buza István Avatar
    Buza István
    17/05/2020

    I started dealing with BlueWing Financials in 2019 when I started looking for property deals and arranging for mortgage. Lilla was really helpful when I first got in touch and... read more

    Ivan Bekriev Avatar
    Ivan Bekriev
    01/03/2020

    Outstanding! Patient, detailed advice and really helpful. Nick went above and beyond through a challenging process and was always reassuring. Thank you!

    John Tween Avatar
    John Tween
    22/10/2019

    I highly recommend Lilla, Alex and the team, they've been extremely helpful with my mortgage process

    Gergely Szimandl Avatar
    Gergely Szimandl
    04/06/2019

    Thanks to Lilla, the process of buying our flat had been way easier than we expected and feared. She was super supportive and always ready to go the extra mile,... read more

    Pierpaolo Avatar
    Pierpaolo
    24/05/2019

    I am extremely happy with service, I received. Lilla is very helpful and thoughtful. She explained everything to me thoroughly, when I struggled with the legal terms. She is very... read more

    Bernadett Domjan Avatar
    Bernadett Domjan
    18/03/2019

    Very helpful and have provided me with 2 mortgages to date.

    Jerome Purrier Avatar
    Jerome Purrier
    14/01/2019

    I have worked with Lilla for many years and confidently refer her to other people in my network for her services. A true expert in her field, I've found that... read more

    David Kidd Avatar
    David Kidd
    07/01/2019

    I was first recommended to Lilla from my sister in law who had used her previously. I can’t thank her enough for putting her through to me.
    Lilla has been so...
    read more

    Sophie Habibis Avatar
    Sophie Habibis
    15/12/2018

    I have been working with Lilla @ Bluewing Financials for 5 years now and cannot recommend her highly enough. Lilla has supported me in buying two properties and with various... read more

    Simon Gray Avatar
    Simon Gray
    08/10/2018

    Very friendly and professional service. They answered all questions I had very quickly and talked me through the entire process. Fully recommend and will use for any future purchases.

    Inan Tariq Avatar
    Inan Tariq
    30/06/2020

    Thank you lilla, you managed not one but two mortgages. Even though these pandemic times. Highly recommend.

    Sue Norton Avatar
    Sue Norton
    19/06/2020

    Lilla and team have been great throughout the process. Very professional, responsive with great insight to the various considerations around identifying the right. They have been helpful even after submitting... read more

    Zsebo Greg Avatar
    Zsebo Greg
    02/03/2020

    Nicholas H went above and beyond for us, great communication, nothing was too much....Highly recommend! Thanks again bluewing for helping us to buy our first home!

    Jackson Gloster Avatar
    Jackson Gloster
    22/01/2020

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    Whole of market
    independent mortgage advice

    Here are some of the big – and small – mortgage lenders, and specialist mortgage providers, we work with to find you the best personalised deal.

    Get in touch

    Work with us how you choose: email, phone, Whatsapp, or face-to-face meetings. It’s up to you!

    Your personal mortgage broker will explain clearly the mortgage process and from a few questions about yourself, advise you on your options.

    Let us apply for you

    Your personal broker will structure your application the right way that guarantees you the best mortgage deal.

    One simple questionnaire is all it takes for us to complete your paperwork for you.

    Get the mortgage

    Your advisor handles the entire application process. Liaising with your lender, solicitor and estate agent to make sure your mortgage application progresses smoothly.

    All you need to do is accept the mortgage offer and celebrate!

    Your 3 steps to a mortgage

    Why Choose Us
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