No one wants to think about losing their belongings or paying huge repair bills. That’s where home insurance comes in — giving you peace of mind and support when you need it most.

At Art of Mortgage, we help you find the right cover for your home — something that suits your needs and your budget from a wide range of options available.

At Art of Mortgage, we care about more than just your mortgage. We’re here to help protect you and your family from life’s unexpected turns. Talking about personal protection isn’t always easy, but it’s important — and we’re here to guide you every step of the way.

We look at your personal situation and help you choose the right protection policies from across the entire insurance market. Our goal is simple: to make sure you’re covered for life’s challenges and to support you if you ever need to make a claim.

A mortgage in principle—also known as an agreement in principle, decision in principle, or mortgage promise—is an early indication from a lender that they may be willing to offer you a mortgage, along with an estimate of how much you might be able to borrow.

Being self-employed shouldn’t stop you from owning a home—but it can make the mortgage process feel more complicated. With fluctuating income or limited financial history, many self-employed individuals worry about whether they can qualify.

The good news? You absolutely can. And we’re here to help make it easier.

You don’t always need a specialist lender—many self-employed applicants get access to the same rates as employed borrowers. The key lies in presenting your income clearly and working with a team that understands how lenders assess self-employed applications.

Buying property through a limited company can offer long-term benefits—but the process is more involved than buying as an individual. From setting up the company correctly to meeting lender requirements, there are several steps you need to get right from the start.

That’s where we come in. At Artofmortgage, we work closely with property investors to secure limited company buy-to-let mortgages that suit their goals. With the right structure and a clear strategy, we help clients access competitive rates and avoid costly missteps.

Buying a new build home is an exciting step—especially for first-time buyers looking to get onto the property ladder. While the process can be a bit more complex than purchasing an older property, having an experienced mortgage broker by your side makes all the difference.

At Artofmortgage, we specialise in helping buyers secure mortgages for new build homes. Whether you’re purchasing a flat or house, we handle the details with mortgage providers, developers, and all relevant bodies to make the journey smoother and less stressful.

We’re completely independent and only work with lenders that are fully regulated by the Financial Conduct Authority, so you can trust that your interests always come first.

Buy-to-Let Mortgages: Helping You Invest Smartly

While buy-to-let and residential mortgages share similarities, there are some key differences. A buy-to-let mortgage is required when you’re purchasing a property to rent out and generate income. Whether you’re building a property portfolio or letting out a single property, it’s important to understand your mortgage options, the associated costs, and your expected rental income.

Welcome to Art of Mortgage, Mortgage Brokers for Buy-to-Let

We have years of experience supporting clients in the buy-to-let sector. Whether you’re buying your first rental property, adding to an existing portfolio, remortgaging to release funds, or looking for insurance solutions for your investment properties — we can help.

What is a Buy-to-Let Mortgage?

A buy-to-let mortgage is specifically designed for rental properties. Unlike residential mortgages, the loan amount is largely based on the rental income the property is expected to generate. Lenders use this figure, along with your tax rate, to determine borrowing limits.

Most buy-to-let mortgages aren’t regulated by the Financial Conduct Authority (FCA), unless the property has been lived in by you or a family member — in which case, the mortgage is regulated.

These mortgages are often interest-only, meaning you only pay the interest each month and not the capital. While this keeps monthly payments lower, interest rates for buy-to-let deals are usually higher than those for residential mortgages.

Are Buy-to-Let Mortgages Harder to Get?

They can be. You’ll usually need a deposit of at least 20%, though lenders often ask for more due to the added risk. A larger deposit increases equity, offering more protection if house prices drop.

Lenders may also have requirements related to the type of tenant, property usage (e.g., Houses in Multiple Occupation), and the Energy Performance Certificate (EPC) rating.

Switching from Residential to Buy-to-Let

If you own a property with a residential mortgage and want to start renting it out, you may be able to remortgage onto a buy-to-let product. This depends on your eligibility and the terms of your existing mortgage.

Types of Buy-to-Let Mortgages

There are various buy-to-let mortgage options, depending on your deposit size and tax bracket. Fixed-rate and variable-rate deals are available, and repayments can be made on an interest-only or capital repayment basis — depending on your long-term goals.

Yes, You Can Get a Mortgage with Bad Credit

Getting a mortgage today can already feel challenging — and if you have a poor credit history, it might seem out of reach. But don’t lose hope. At Art of Mortgage, we regularly help clients secure what’s commonly known as a bad credit mortgage.

Some lenders take a manual approach when assessing mortgage applications — they don’t just rely on automated decisions. This means that even if your credit score isn’t perfect, there may still be solid options available for you.

We’re here to listen, guide you through your options, and work toward a solution that fits your situation. Reach out to Art of Mortgage and let’s talk about how we can help.

Welcome to Art of Mortgage – Bad Credit Mortgage Specialists

If you’ve been turned down by lenders, it can feel disheartening — but often it just means you’re knocking on the wrong doors.

We know which lenders look at more than just a score. Some will consider your whole credit profile, not just the number. That’s where our experience comes in — we’ve helped many clients in similar situations get approved for a mortgage.

We’re a friendly, approachable team that’s here to support you and find the most suitable mortgage deal for your circumstances.

We May Be Able to Help If You’ve Had:

• County Court Judgements (CCJs)
• IVAs
• Bankruptcy
• Missed loan or credit card payments
• Debt management plans
• Defaults

Bad Credit Mortgages for First-Time Buyers

Buying your first home is a big step — and it can feel even more daunting with bad credit.

We’ll sit down with you, understand your credit history, and get a clear picture of your current situation. Whether the issues were due to utility bills, missed payments, or something else, we’ll help identify the lenders most likely to accept your application.

Bad credit may mean a higher interest rate and deposit, but we’ll always guide you toward options where your monthly payments remain manageable and realistic.

Right to Buy with Bad Credit

If you’re planning to purchase your local authority property under the Right to Buy scheme and you’re worried about bad credit, we can help.

We know which lenders are open to working with clients in these situations and can give you the best possible shot at a successful application — always keeping monthly affordability in focus.

What Mortgage Options Are There for Poor Credit?

Even with bad credit, most types of mortgage products remain available. However, lenders may offer different terms — such as higher interest rates or larger deposit requirements — depending on the perceived risk.

How much you can borrow depends on:

• Your credit history
• Current credit score
• Income and outgoings
• Deposit size

A higher Loan to Value (LTV) ratio may lead to stricter terms. But don’t worry — we’ll work closely with you to find a deal that’s safe and achievable.

At Art of Mortgage, Our Focus Is You

We’ll never recommend a mortgage that puts you at financial risk. Our advice is always based on ensuring your monthly repayments are affordable, even if your credit history isn’t perfect.

Welcome to Art of Mortgage – Specialists in Home Mover Mortgages

Whether this is your first move or you’ve done it before, buying a new home can be a stressful experience. Lending criteria is constantly changing, and navigating the process can be overwhelming.

At Art of Mortgage, we’re here to make things easier for you. Our goal is to help you prepare as early as possible so the home-moving journey feels smooth and manageable — not confusing or rushed.

We’ll guide you through all expected moving costs upfront and assess your new borrowing potential. That way, you can view properties confidently, knowing they’re within your budget. There’s nothing worse than falling in love with a home that’s not financially viable — and we’re here to make sure that doesn’t happen.

We believe good preparation is the key to making your home move feel as calm and straightforward as possible — for you and your family.

What Is a Home Mover Mortgage?

A home mover mortgage applies when you’re selling your current property to buy a new one. Whether you’re upsizing, downsizing, or relocating, you’ll usually need a new mortgage agreement.

This means going through a new agreement in principle and submitting a fresh application.

In some cases, it may be beneficial to switch lenders rather than stay with your current provider. We’ll explore all your options, based on what matters most to you — whether that’s monthly repayments, flexibility, or long-term stability.

Finding a Mortgage While Moving Home with Art of Mortgage

Moving home is a perfect time to take stock of your financial situation.

We’ll start by looking at:

• The value of your new property
• Your income and outgoings
• Your credit score
• Your ideal monthly repayment amount

From there, we’ll offer clear guidance on your options, helping you move forward with confidence.

Mortgage Options for Home Movers

If you already own a home, you’ll find there are many mortgage options available when moving.

We’ll walk you through all the types of deals and lenders, helping you find the right solution for your new chapter.

Independent Remortgage Advice from Art of Mortgage

Whether your current mortgage deal is ending or you’re looking for a more stable interest rate, Art of Mortgage offers independent, personalised remortgage advice tailored to your needs.

Remortgaging can help you:

• Secure a better interest rate
• Switch from a variable to a fixed-rate mortgage
• Lower your monthly payments
• Release funds for home improvements or support a family member
• Consolidate debts
• Adjust your mortgage to suit life changes such as marriage or retirement

Whatever your reasons, our experienced advisers make the process simple and stress-free. We’re not tied to any lender, so we work with one goal in mind: finding the most suitable remortgage deal for you.

How We Work

We begin with a relaxed, informal conversation to understand your current financial situation and future goals. This includes reviewing:

• Your existing mortgage balance
• The current value of your property
• Your credit score
• Any changes in your personal or financial circumstances

Once we’ve gathered all the details, we use our market knowledge and tools to find a deal that suits your needs.

👉 Contact Art of Mortgage today to explore your options and get expert advice on remortgaging.

Can You Remortgage Early?

Yes, it’s possible to remortgage before your current deal ends — though you should check for any early repayment fees. Here are some reasons people remortgage early:

• To consolidate debt: Combine high-interest debts into your mortgage for potentially lower overall costs.
• To release equity: Free up funds for home improvements, large purchases, or to help family.
• To change mortgage type: Switch to a fixed-rate for more stability amid fluctuating rates.
• To pay off your mortgage early: Ideal if you’re planning for retirement.
• Due to life changes: A marriage, divorce, or new baby might prompt a more suitable deal.
• To save money: With thousands of deals available, you may find a better rate — just ensure any savings outweigh potential early exit charges.

How Long Does Remortgaging Take with Art of Mortgage?

We recommend starting the remortgage process up to six months before your current deal ends, to avoid slipping onto your lender’s Standard Variable Rate (SVR).

On average, the full process takes 6 to 12 weeks, though it can be quicker depending on legal work required.

At Art of Mortgage, we keep you informed throughout and are always available to answer your questions.

Can You Renew Your Current Mortgage Deal?

Yes, when your deal ends (typically after three or five years), you can:

• Renew with your existing lender, or
• Shop around for a new lender with better terms

If you don’t act, you’ll move to your lender’s SVR, which often comes with higher, fluctuating rates.

That’s why we recommend starting the renewal or remortgage process at least six months before your current deal expires.

Should You Switch Lenders at the End of a Fixed Term?

Your mortgage is likely your biggest financial commitment — so when your deal ends, it makes sense to compare the market. You could save money or get more favourable terms.

At Art of Mortgage, we do the research for you, scanning hundreds of lenders and managing the application process — making switching simple and stress-free.

Can I Remortgage to Buy Another Property?

Yes. If you’ve built equity in your home, you can remortgage to release funds to purchase another property. Your current home still secures the loan, but the cash raised through remortgaging can be used as a deposit or full payment for the new purchase.

Fixed-rate deals through remortgaging often have better rates compared to starting a brand-new mortgage.

Can I Release Equity When Remortgaging?

Absolutely. Releasing equity through a remortgage is a common way to:

• Fund home improvements
• Pay off other debts
• Support family
• Cover large life events like weddings or travel

At Art of Mortgage, we start with a clear understanding of your goals and financial profile. Then, we use our tools and network to determine how much you could borrow and find the best deal for your needs.

Navigating the mortgage market can be overwhelming, especially for first-time buyers. With so many options available, it can be tough to choose the best deal. But don’t worry – you’re in the right place.

At Art of Mortgage, we specialize in helping first-time homebuyers successfully apply for a mortgage. Whether you’re buying solo or with a partner, we’re here to guide you every step of the way, from the initial consultation to the final closing and beyond.

We believe in open, honest communication and strive to build strong relationships with our clients. Check out what our satisfied customers have to say about their experiences with us.

If you need advice or assistance in finding the right mortgage, we’d love to help – don’t hesitate to reach out!