Buying a home
First purchases, moving home, and cases where the income or the property does not fit a high-street template.
Homes and remortgages
Residential mortgages
A residential mortgage is a long-term loan secured against the home you live in, assessed on your income, your outgoings and your credit history. It is regulated lending, which means the advice you receive has to be suitable for your circumstances, not simply available.
Whole case packaged for you
Fees disclosed upfront
Brokers, not a lender
Get an indicative quote
Step 2 of 7Is this a purchase or a refinance?
Either way we look at the whole panel, not one lender.
When it is used
Situations we see most often
Remortgaging
Moving off a standard variable rate, releasing equity, or restructuring after a change in circumstances.
Complex income
Self-employed, contract, bonus or multiple-source income that mainstream affordability models handle badly.
Who it suits
- First-time buyers who want the process explained properly
- Home movers who need the mortgage to fit a chain’s timetable
- Self-employed borrowers whose accounts need presenting carefully
- Borrowers exiting a regulated bridge onto a term mortgage
| Typical terms | Indicative range |
|---|---|
| Loan to value | Up to 95% for some borrowers; pricing improves at 90%, 85% and 75% |
| Term | Commonly 25 to 40 years |
| Rate basis | Fixed, tracker or discounted variable |
| Affordability | Assessed on income and committed outgoings, stress-tested for rate rises |
| Regulation | Regulated by the Financial Conduct Authority |
| Credit history | Specialist lenders consider adverse credit at higher rates |
Indicative ranges. What you can borrow depends on your income, your outgoings, your credit history and the property itself.
How Amram handles it
What we actually do for you
We are brokers. We do not lend our own money — we package your case and place it with the lender most likely to fund it, then manage it to completion.
The conversation
We go through your income, your outgoings, your deposit and your timescale, and explain what is realistically available.
Packaging
We package the income evidence properly — this matters most for self-employed and complex income cases.
Lender sourcing
We research the market and recommend a product that is suitable for your circumstances, explaining why.
Valuation and legals
We coordinate the valuation and the legal work, and keep the chain informed of where the application has reached.
Offer and completion
The offer is issued, and we stay with the case to completion rather than handing it back at offer stage.
What you’ll need
Have these ready and it moves faster
The single biggest cause of delay is a case assembled as it goes. We will ask for these at the start so the file is lender-ready before it is submitted.
- Photo ID and proof of address
- Three months of payslips, or two to three years of accounts and SA302s if self-employed
- Three to six months of bank statements
- Proof of the deposit and its source, including any gifted deposit letter
- Details of the property you are buying
- Details of existing credit commitments
Situations
Does one of these sound like you?
Illustrative situations rather than client case studies — the kinds of enquiry this market sees, and what usually works in each.
“I am self-employed with one year of accounts and keep getting declined”
Your business is profitable but you do not have the two or three years most lenders ask for.
What usually works“I am a contractor on a day rate and lenders keep using the wrong income figure”
Lenders keep assessing your limited company accounts rather than your actual day rate.
What usually works“I need to buy out my ex-partner’s share of the house”
You want to keep the house, and that means paying your former partner their share and taking the mortgage on alone.
What usually worksQuestions
Frequently asked
How much can I borrow?
Usually a multiple of income, adjusted for your committed outgoings and stress-tested against a higher rate. Multiples vary by lender and by loan to value, which is why comparing several lenders is worth more than a single high-street quote.
Can I get a mortgage if I am self-employed?
Yes. Lenders differ substantially in how they treat retained profit, dividends, contract income and a short trading history. Presenting the accounts to the right lender in the right way is most of the job.
What if I have had credit problems?
Specialist lenders consider defaults, county court judgments and past arrears, generally at higher rates and lower loan to value. How recent the event is, and how it has been dealt with since, matters more than the event itself.
How long does a mortgage application take?
Typically a few weeks from application to offer, though it depends on the lender, the valuation and how complete the documents are on day one. If a chain needs certainty sooner, a regulated bridge is sometimes the answer.
Will you charge me a fee?
Any fee is disclosed to you in writing before you commit to anything, together with any commission the lender pays us. You will never be asked to proceed without seeing both figures first.
Keep reading
Related pages and guides
Residential bridging
Bridging secured against a home you live in or will live in.
View pageChain break
Complete on your purchase before your sale goes through.
View pageBuy-to-let mortgages
Single properties, HMOs, limited company structures and portfolios.
View pageWhat Is a Bridging Loan and How Does It Work?
A plain-English explanation of bridging finance: what it is, how lenders price it, when it makes sense and what it costs in practice.
Read the guideBridging loan calculator
Work out the gross loan, LTV, interest and every fee before you speak to anyone.
Open the calculatorTalk the deal through
Free deal review by a specialist. We will tell you what is achievable, what it is likely to cost and what the lender will want to see.
Amram Finance Ltd is a credit broker, not a lender. We do not lend our own money and we do not approve or issue loan offers. Residential mortgages are regulated by the Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on a loan secured on it. Some forms of bridging finance and buy-to-let lending are not regulated by the Financial Conduct Authority.