Mortgage Advice
Friendly & straightforward mortgage advice in Plymouth & South Hams
At Mewstone Mortgage Advice, we pride ourselves on providing friendly and straightforward mortgage advice. Our team of mortgage advisers in Plymouth and the surrounding areas offer a down-to-earth and personal approach to mortgages and protection.
Whether you’re a first-time buyer, a home mover, expanding a property portfolio, or searching for a mortgage product later in life, we can help. We provide help throughout every stage of the property ownership process, ensuring that you can secure the best product both now and in the future. Our mortgage advice covers:
First Time Buyers Mortgages
Buying your first home is so exciting and such an achievement! However, we also understand that the process can be daunting and slightly confusing at times. That’s why our specialist first time buyer mortgage advisors in Plymouth provide simple and transparent mortgage advice and will be by your side from first contact all the way through to completion day.
How we provide first time buyer mortgage advice
Before you get started with the house-hunting process, speak to us. We will meet with you to discuss your current situation, your financial circumstances, and your future plans. From the information you provide us with, we will be able to calculate your affordability for a first time buyer mortgage.
Following your initial appointment, we will issue you a mortgage in principle. This will be your superpower when it comes to viewing properties and wanting to make offers.
Our mortgage advisors will be there for you throughout your entire homebuying journey. We are easy to reach via handy WhatsApp groups, and can answer any questions you may have, liaise with your estate agent, solicitors and lender, and will keep you regularly updated on progress. Learn more on our dedicated first time buyers page.
Self Employed Mortgages
There’s an old school perception that buying a house when you are self-employed is impossible. The reality is that there are specialist mortgage deals available specifically for self-employed people, including business owners and company directors.
What to bear in mind
If you are looking for a mortgage and you are self-employed, it’s important to know that the eligibility criteria do differ from a traditional residential mortgage. However, our mortgage advisers in Plymouth and the surrounding areas have experience in handling these applications.
The Mewstone team has also worked with these lenders for a long time and fully understands what they are looking for. Please get in touch with us for a free, no-obligation chat – we are always happy to help you through the entire mortgage process.
Buy To Let Mortgages
Whether you’re a first-time landlord, looking to purchase your first investment property, or already have a portfolio of properties and need to remortgage them, Mewstone Mortgage Advice can help.
Our mortgage advisers in Plymouth and the surrounding areas are widely experienced in the market of buy to let mortgages. This experience can save you considerable time, money, and stress, and gives you access to the whole of market. We also have relationships with specialist buy to let lenders and can help you get specialist products as a property investor.
Home Mover Mortgages
If you’re considering moving home, our expert mortgage advisers in Plymouth can help. Our friendly team are on hand to discuss your individual current circumstances and arrange an appropriate mortgage in principle for you.
Before you make any commitments to move, make sure you speak to us first. Our home buyer mortgage advice process is designed to help you make the appropriate judgments of whether now is the right time for a move. Should you then find your dream next home, we’ll assist throughout the whole process and help everything progress as smoothly as possible.
Our mortgage advisers will…
- Assist throughout the whole moving process
- Answer any new questions you may have
- Liaise with your estate agent, lender, and solicitors
Remortgages
There are a number of reasons why you might be looking to remortgage. Perhaps your current fixed-term deal is coming to an end, and you don’t want to be paying more on your lender’s standard variable rate. Alternatively, you might be looking to borrow more to complete some home renovations.
At Mewstone Mortgage Advice, our experienced mortgage brokers can help you unpick the complexities of remortgaging. We’ll search the whole market to find the best deal for you, whether that’s a product transfer or with an entirely new lender. We can also help you to release funds from your property with a suitable remortgage.
Contractor Mortgages
Being a contractor with an irregular income pattern shouldn’t stop you from getting a mortgage. Our expert mortgage advisers are on hand to support you through this process and help you to find a suitable product.
With strong relationships with a wide range of lenders, we understand what they are looking for and can help you through the application process. We can also access specialist lenders who cater specifically for contractors and the self-employed. Please speak to us for an initial chat and to find out how we can help you secure a contractor mortgage.
Commercial Finance & Commercial Mortgages
If your business is looking to raise and secure finance, we can help. At Mewstone Mortgage Advice, we have access to a variety of business finance products, which may or may not be available on the high street or with your current lender. As we are independent, our mortgage advisors are flexible in their approach and search for your deal.
We have lots of experience advising businesses in Plymouth and the wider South West area, and can guide you through the relevant steps in securing finance. Get in touch with us for a quick initial chat.
Why use mewstone mortgage advice?
We approach mortgages differently, using today’s technology with our Mewstone personal touch. Collectively we have over 57 years combined experience in mortgages, we can offer all of our clients expert, personal advice.
We aspire to protect what’s important to you and your family by recommending the best solutions to provide a safety-net to those dearest to you.
We are passionate about the best outcomes for all of our clients. Family is at the heart of what we do, and why we do it. Each of our clients are part of the Mewstone family and we will look after you like our own.
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Frequently Asked Questions
How can you secure me the most suitable deal?
We take all the information we can from you and put it through our processes to match the most suitable mortgage to you. We have access to whole of the market, so you may hear us talk about Lenders you wouldn’t see on the High Street. Having more access than most brokers you may see, means we are more likely to secure you the most suitable deal.
What's the next steps?
Firstly you need to make an appointment with us to go through all of your details, and see if we can obtain you an agreement in principle. From there you can go and find your dream home if you haven’t already! Once you’ve had your offer accepted on the home, we will get to work with your solicitors and lenders, to apply for your mortgage, get it agreed and get you moved in!
If you’re already a homeowner or you’re looking at commercial finance, get in touch today, and let’s see how we can help you review your circumstances.
What if I've been told no elsewhere?
Even if you have been told no before, that doesn‘t mean that there isn’t a mortgage suitable for you. Have a conversation with us, and we can assess your current circumstances with you to plan a way forward for you.
How long will my mortgage be for
The mortgage term depends on different factors. Namely how much you are looking to borrow, what type of rate, as well as personal circumstances. The average is 25 years, however there are some for 29 years or less than 25.
How much can I borrow?
The amount you can borrow is different for everyone. You’d need to speak to us so we could advise you on your affordability.
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Google Reviews
Their expertise in finding the best mortgage deal for us was invaluable. They offer a down-to-earth, approachable and friendly service.
Definitely recommended.
Thank you
Mark, Mike, Seb and the team have provided outstanding service from day 1.
Despite not being based in the South West, Mewstone were able to answer all our questions and really help us drill down on the finer details around affordability.
Having a group WhatsApp meant our questions and updates could be answered in a very timely manner.
I cant recommend them highly enough!
The biggest of thank yous.
Charlie was incredible in dealing with my mortgage application, she always got back to me quickly and was just amazing from start to finish. I highly recommend Mewstone to anyone looking for a mortgage!
They’ve been amazing from start to finish — guiding me through the whole mortgage process, answering all my questions, and making everything so much easier to understand. My application was approved, and I truly felt supported every step of the way.
They also gave me great advice and kept me updated throughout the process.
I’d definitely recommend them to anyone looking for kind, professional, and reliable mortgage advisors!
I would highly recommend Nathan to any of my contacts.
Thanks again.
Would definitely recommend.
Keep up the excellent work
If you are unsure, just speak to them. They will give you the information and the confidence you need to make your own decisions and hopefully own your own home.
If I could give more than 5 stars I would.
We can’t say enough good things about our experience with Mewstone. As self-employed individuals, navigating the complexities of securing financing can be overwhelming.
However, the team at Mewstone, Charlie, Mark and Kate made the entire process smooth and stress-free. They were incredibly knowledgeable about the unique challenges we face and helped us every step of the way, ensuring we understood all our options and found the best solutions for our needs.
Their professionalism, attention to detail, and personal care exceeded our expectations. Highly recommended for anyone, especially those who are self-employed and need expert guidance!
At times, it has been quite an intimidating & stressful process but Mark, Charlie & Seb have gone above & beyond to guide us as well as make us feel comfortable & well informed throughout.
I really couldn’t praise them enough.
The process of securing a mortgage can be incredibly stressful and time-consuming, but they made it remarkably smooth and manageable. They spent countless hours meticulously chasing down details from various mortgage companies on my behalf, ensuring that every piece of information was accurate and up-to-date. Their persistence and hard work were evident at every step of the way.
What impressed me the most was their unwavering commitment to finding the best possible mortgage options for my specific situation. They patiently explained every detail, answered all of my questions, and provided invaluable advice that helped me make informed decisions. Their personalised approach made me feel valued and reassured throughout the entire process.
In addition to their outstanding service, the team at Mewstone was always prompt, courteous, and friendly. Their excellent communication skills and transparency kept me informed and confident that my mortgage application was in the best hands.
Thanks to Mewstone Mortgage Advice, I now have a mortgage that perfectly fits my needs, and I couldn't be happier with the outcome. If you are looking for a mortgage company that goes above and beyond to deliver exceptional results, look no further. They are truly a cut above the rest.
Mewstone we're recommend to us via a Facebook group & they managed to get us an offer from our same mortgage provider for 100% of what we initially asked for! Go figure that out?
The whole process is straight forward & very quick as long as you have your paperwork in order. And the best thing about it all is we only had to pay £99 because we were keeping our same provider!
Definitely using them again & more than happy to recommend them to everyone.
Honest, efficient and genuinely want to get you the best mortgage deal/outcome. Working above and beyond - even in evenings.
Really appreciated advice and comparisons on which solicitors to proceed with for both our sale and purchase as well.
Would 100% recommend!
We were given Mike from Mewstone details having heard good vibes from his work. Mike made contact, we explained our circumstances and he was able to assist us quickly with a mortgage in principle at the right amount of loan, we are now going through the paces of buying our home and this has been completed very quickly by the mortgage lender with Mike by our side all the way, great honest advice, explained in plain English, upfront with all costings and also will explain if things go wrong honestly. Our house has a very odd issue with holding a freehold title as well as a leasehold title, so Mike is assisting us each step of the way and being our go between with solicitors and estate agents.
We are very happy, would 100% recommend Mike to anyone who asked, his specialist area is mortgages for older people but I am sure he can help many others looking for assistance with mortgages.
Book A Call With Our Mortgage Advice Experts
We understand that your time is precious so you can book an appointment directly into our diary at a time to suit you!
This is our first conversation with you.
We will get an understanding of where you are now and where you want to be. We can tell you about us and how we work – and how we can help you achieve your financial goal. This is typically a 10 minute chat and is completely free of charge.
This appointment can be completed on a face to face basis, over Zoom/Teams/WhatsApp Video/Facetime - whatever works best for you!
Mewstone Mortgage Advice LTD (FCA ref 947355) is an appointed representative of New Leaf Distribution LTD (FCA ref 460421) which is authorised and regulated by the financial conduct authority (FCA).
New Leaf Head Office Garfield House, 165-167 High St, Rayleigh SS6 7QA. Co registration Number 5520001.
Mewstone Mortgage Advice LTD Head Office: 22 Barton Brake, Wembury, Plymouth, Devon PL9 0BJ Co registration Number 12959322
Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.
Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.
To view our Complaints Procedure, click here.
