Mortgages

Our mortgage advice is about listening to you and understanding your aspirations as much as it is about a deep understanding of the market. Your adviser will cover everything connected with buying and protecting your home; we're about getting the detail right.

We invest time into research and recommend mortgage products that suit you and your personal circumstances. Through The Openwork Partnership, we benefit from exceptional relationships with many UK lenders and have access to several deals.

Whether you are a first time buyer, looking for a buy-to-let property, want to remortgage, or get a further advance from a home you already own – we can find the perfect product for you and ensure that you have the most suitable protection in place.

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Types of mortgages

We provide a full mortgage service, whether you’re a first time buyer, looking for your next investment or are looking to refinance an existing investment.

  • Residential purchase
  • Remortgage and further advances
  • Buy-to-let
  • Commercial property
  • Bridging loans and second charge

Your home may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Commercial mortgages and some Bridging Finance are not regulated by the Financial Conduct Authority.

Using a mortgage adviser

When it comes to finding the best mortgage deals, it's not uncommon to ask yourself whether you should use a mortgage adviser. Are there any benefits for paying a fee to a mortgage adviser for their advice or can you simply find your own mortgage deal?

Find out why you might consider using a mortgage adviser to help you find the best possible deal.


A mortgage adviser is a qualified professional, and while you could choose a mortgage without advice, this could be risky. You may have your application rejected by your selected lender because you did not understand the mortgage product and eligibility restrictions; this could result in additional costs. Receiving advice from a mortgage adviser means that you can be offered a mortgage that suits your circumstances with repayments that you can afford.

Working with a mortgage adviser helps reduce the amount of work and time required to find a mortgage. An adviser can also help you navigate the complexities of a house purchase. Our advisers can help you find and compare suitable mortgage deals from a variety of lenders before making a recommendation that suits you.

Mortgage advisers are supported by a named team of experts who will help you navigate all the detailed liaising with solicitors and mortgage lenders, once your application is underway. This is a very time consuming process, our experts will save you time and effort by handling all the communication between you and the lender.

A mortgage adviser will help you protect your home and your family in case the unexpected happens, they will also provide advice on general insurances and protection to keep your assets safe.

Our approach to mortgages

Our approach will always be specific to you and your circumstances. Following the initial meeting, you will be assigned a dedicated mortgage adviser who will provide you with a personalised recommendation.

1

Needs analysis

Understanding you, your circumstances and your aspirations

2

Recommendations

We provide you with personalised recommendations

3

Application

Your adviser submits your application and ensures it is completed within the timeframe and budget

4

Protection

We present you with protection options, ensuring your mortgage gets paid for unexpected life events

5

Decision

If successful your solicitor will review the offer if unsuccessful we find an alternative solution

6

Exchange and completion

Once you exchange contracts a completion date is set, giving you legal ownership of the property

Schedule a meeting with an adviser

Email info@thepennygroup.co.uk or call 0207 061 2345 if you would like to schedule in your initial consultation with one of our experienced advisers.