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Need a mortgage?

Quick and simple advice about mortgages. Without the stress and no jargon.

At Empire, we offer quick and simple mortgage advice without the stress and unnecessary jargon. We understand the importance of making informed decisions in a constantly changing market, which is why we work closely with a team of expert mortgage advisors.

With a constantly changing market, it’s more important than ever to seek the expertise of an independent mortgage advisor.

1. Book a free review

Fill out the contact form below to learn more about our free mortgages advice service, or get in touch by calling us on 01698 364100.

2. Get expert advice

An independent adviser will advise from the whole of the market and provide expertise on each lender’s criteria, focusing on the best deal for your circumstances.

3. Get a better deal

You focus on moving. We’ll focus on taking the stress out of the mortgages application process and making sure everything goes as smoothly as possible.

Next Steps…

Fill out the form below and one of our independent financial advisers will be in touch very soon or call us on 01698 364 100.

Mortgages FAQs

Can I get a mortgage?

Each lender decides their own criteria for lending money. This means that some lenders might turn you down, while others may not. Lenders will generally look at the following factors when considering your application:

The amount you want to borrow
Your deposit
The kind of property you want to buy
Your employment status
Any debts you have
Your spending habits
Your credit rating
Whether the mortgage is affordable for you.

How does a mortgage work?

A mortgage is a loan taken out to buy property or land. Most run for 25 years, but can be shorter or longer depending on what has been agreed with the lender. The loan is secured against the value of your home until it has been paid off. If you’re unable to keep up with your repayments, the lender can repossess your home and sell it to get their money back. So it’s important to think about what is affordable for you before making any financial commitments. An advisor can help you with this.

How much can I borrow for a mortgage?

There are many online mortgage calculators available which will show you how much a lender might offer you, as well as whether you’re able to afford the monthly payments based on your income and outgoings.

What is a buy to let mortgage?

A buy to let mortgage is given specifically to people who want to buy a property as an investment, rather than as a place to live.

What is an interest only mortgage?

For an interest only mortgage, you’re only paying the interest and not any of the capital. The payments will be low. At the end of the mortgage term, you’ll still owe the overall balance of what you initially borrowed. You will need to show the lender that you can pay off the mortgage once the term is up.