Residential Mortgages

Securing the right residential mortgage is a key step in buying your next home, moving up the ladder, or switching to a better deal. With so many options on the market, expert guidance can make all the difference!

At SND Mortgages, we help you make sense of it all offering clear, tailored advice to support your homeownership journey from start to finish.

A residential mortgage is a loan used to buy a home you plan to live in. It's secured against the property and repaid over time, typically with monthly payments that include interest and, in most cases, capital.

These mortgages are fully regulated by the Financial Conduct Authority (FCA), so advice must meet strict standards of suitability and affordability.

Your borrowing power is based on your income, monthly outgoings, credit history, and any existing financial commitments. Lenders each have their own criteria, but most will use affordability calculators to determine what you can comfortably repay.

We’ll assess your situation in detail before recommending a lender, so you’re not left guessing or wasting time with declined applications.

Residential mortgages come in a range of types—such as fixed rate, variable, tracker, and offset. Some borrowers want payment stability, while others prefer the flexibility to overpay or benefit from rate drops.

We'll walk you through the pros and cons of each option, helping you choose a deal that fits your budget and long-term plans.

Yes, it’s possible to get a mortgage with as little as 5% or 10% deposit, depending on your credit profile and lender policies. Some schemes may also be available to help reduce the deposit burden, especially for first-time buyers.

We’ll explore all available routes to help make your home purchase achievable and affordable.

We take a personal approach to every mortgage we arrange. From your first enquiry to final completion, we’ll guide you through the process, explain your options clearly, and recommend a mortgage that fits both your lifestyle and long-term financial goals.