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Mortgages

Your Mortgage
Journey Begins Here

Simplifying mortgage processes is what we at Moneytree Wealth Management do. By first helping you secure the right deal for your needs, we’ll be with you every step of the way whether you’re buying your first home, remortgaging or investing in property. Our expert advisors ensure you understand your options with tailored guidance and advice at each stage of your specific situation. With our help, you’ll feel confident in your decision-making and also have the best chance of securing competitive rates. Whatever your mortgage needs, Moneytree is here to support you.

Finding the Right Mortgage for Your Goals

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First-Time Buyer

  1. Mortgage Affordability Assessment.
    In the first step of this service, we’ll help you understand the mortgage affordability process. Lenders will begin assessing your income, expenses and credit history to determine how much they’re willing to lend. Thus, you’ll need to provide evidence of your financial situation, and we’ll guide you through this step.
  2. Deposit Size and Interest Rates.
    As you may have heard – the larger your deposit, the lower the interest rate you’ll likely receive. After evaluating your mortgage affordability plan, we’ll explain how deposit size impacts your monthly payments and help you explore ways to save for a larger deposit, such as through Lifetime ISAs which offer tax advantages and a government bonus.
  3. Choosing the Right Mortgage Type.
    Here, we’ll explain the different mortgage options available for first-time buyers. From fixed-rate and tracker mortgages to discounted and standard variable rate options, we’ll help you find the right option for your financial situation and long-term goals.
  4. Government Schemes and Tax Benefits.
    Whilst choosing the right mortgage type for you, you should know that first-time buyers can benefit from schemes like Schemes like Help to Buy and shared ownership, as well as savings through Lifetime ISAs. Rest assured we’ll walk you through how these options work, the potential tax benefits and look to maximise your savings for a home purchase.
    (please note: Help to buy is now only available in Wales)
  5. Additional Costs and Considerations
    Now beyond the mortgage, you’ll need to budget for legal fees, valuation and booking costs, and potentially stamp duty. Our experts will ensure you understand all the costs involved and help you plan ahead so there are no surprises on the way to securing your first home.
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You will incur a lifetime ISA government withdrawal charge (currently 25%) if you transfer the funds to a different ISA or withdraw the funds before age 60 and you may therefore get back less than you paid into a lifetime ISA.

By saving in a lifetime ISA instead of enrolling in, or contributing to an auto-enrolment pension scheme, occupational pension scheme, or personal pension scheme: (i) you may lose the benefit of contributions from your employer (if any) to that scheme; and (ii) your current and future entitlement to means tested benefits (if any) may be affected.

Tax treatment varies according to individual circumstances and is subject to change.

Remortgage Advice

  1. Assessing Your Current Deal
    If your mortgage deal is nearing the end or you think you could get a better rate, we’ll help you review your current mortgage. To do this, our expert advisors at Moneytree will first check if you’re on the best deal available for your circumstances and guide you toward potential savings.
  2. Exploring Better Rates
    We’ll assess whether remortgaging could help you secure a lower interest rate to reduce your monthly payments. We’ll help you explore options if the value of your property has increased – which could improve your chances of getting more favourable rates.
  3. Changing Your Mortgage Terms
    If you’re interested in adjusting your mortgage, such as switching from an interest-only to a repayment mortgage, we’ll explain your options and help you make the right decision based on your financial goals and long-term plans.
  4. Borrowing More for Home Improvements
    To borrow more for renovations or other purposes, we’ll guide you through the process of remortgaging to access additional funds. In this process, we’ll help you understand the costs and ensure this is the best financial move for your situation.
  5. Considering Costs and Charges
    We’ll make sure you’re aware of any costs involved in remortgaging This includes legal fees, valuation charges and potential early repayment penalties. Here, we’ll help you weigh these against the potential savings to ensure remortgaging is the right move for you.
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Identifying Your Tax-Saving Opportunities

  1. Understanding Buy to Let Requirements
    We’ll first help you understand the specific requirements for a buy-to-let mortgage. This includes ensuring that your rental income meets the lenders’ affordability criteria, which typically is expected to equal 125% of annual mortgage repayments (e.g. if your mortgage payments were £10,000, you’d have to bring in £12,500 in rental income).
  2. Deposit Size and Interest Rates
    Additionally, expect higher interest rates and a larger deposit compared to residential mortgages. Rest assured at Moneytree, we’ll guide you through the process of securing a buy-to-let mortgage and help you understand how the deposit size impacts your monthly payments.
  3. Choosing the Right Mortgage Type
    We’ll walk you through the options for fixed-rate or tracker buy-to-let mortgages. Whether you prefer a stable monthly payment or want a deal that tracks the Bank of England’s (BoE) base rate for an introductory period or a lifetime tracker, we’ll help you find the best mortgage for your investment strategy.
  4. Tax Considerations and Repayment Options
    We’ll explain how buy-to-let mortgages work with interest-only repayment options and how you can offset some mortgage interest against tax. Additionally, we’ll guide you on potential tax implications and help you understand your annual tax return obligations should you be a self-employed landlord.

     

Attention:

  • Some Buy to Lets are not regulated by the Financial Conduct Authority
  • Tax treatments vary according to individual circumstances and are subject to change.
  • Your home may be repossessed if you don’t keep up with repayments on your mortgage.
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Frequently asked questions

What is a mortgage?

A mortgage is a loan provided by a lender to help you purchase a property. The property itself serves as collateral until the loan is fully repaid.

Most lenders require a deposit of 5%-20% of the property value. A larger deposit often leads to better mortgage terms.

  • Fixed-rate: The interest rate remains the same for a set period.
  • Variable-rate: The interest rate fluctuates based on market conditions.
  • Tracker: tracks a base rate – usually the Bank of England’s base rate, plus a set percentage.
  • Interest-only: You pay only interest during the term, with the principal due at the end.

Your income, credit score, debts, and the lender’s affordability criteria determine the borrowing amount.

  • Interest rate: The cost of borrowing annually, expressed as a percentage.
  • APR (Annual Percentage Rate): Includes the interest rate plus fees, providing the total cost of borrowing.

ERCs are fees charged if you repay your mortgage earlier than agreed. Check your mortgage terms for specifics.

Typically, 2-8 weeks, depending on your situation, the lender, and whether all documents are in order.

Yes, but options may be limited, and you might face higher interest rates. Consult a mortgage broker for tailored advice.

A remortgage involves switching your current mortgage to a new deal, often with a different lender, to secure better terms or release equity.

While not mandatory, a broker can provide access to a wider range of deals and guide you through the process.

  • Valuation and survey fees
  • Legal fees
  • Stamp duty (if applicable)
  • Mortgage arrangement fees
  • Moving costs

Many lenders allow overpayments, which can reduce your overall loan term and interest costs. Check your lender’s policy for limits and fees.

Our Other Services

Mortgages

Whether buying your first home, remortgaging or investing in property, ensure you understand your options with tailored guidance and advice at each stage of your situation.

Succession and Exit Planning

Ensure the smooth continuation of your business with a robust succession and exit strategy. Safeguard your legacy and look to maximise value.

Pension Consolidation

Take control of your retirement savings. Consolidate your pensions and simplify your finances for a more secure future.

Investment Strategy

Is your investment strategy still right for you? We'll help you navigate changing markets and achieve your financial goals.

Inheritance Tax Planning

Plan for the future with our comprehensive inheritance tax planning. We'll help you navigate the complexities and safeguard your assets.

Let's Start the Conversation

Ready to talk about your financial future? Let’s sit down for a friendly,
no-pressure chat where we can get to know you and your goals.

Business Details

01244 470 107

enquiries@moneytreewm.co.uk

Moneytree Wealth Management
Talbot House
Albion Street
Chester
England
CH1 1RQ

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Moneytree Wealth Management Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Moneytree Wealth Management Ltd. Registered in England and Wales, under no. 07399360.

Approved Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 5th May 2025.

Registered office address – Talbot House, Albion Street, Chester, England, CH1 1RQ

Holiday Home Mortgages, Powers of attorney, Will writing, Tax Planning, Trusts, Estate Planning, Inheritance Tax Planning, Some Employee Benefits, Some Buy to Let Mortgages, Exit planning, Succession Planning, Legal advice, Commercial Mortgages and Auto Enrolment are not regulated by the Financial Conduct authority.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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