Mortgages

    Mortgage advice that starts with your situation

    Whether you're buying your first home, moving, remortgaging or borrowing on unusual income, we'll put you in front of an adviser who works with cases like yours.

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

    Getting a mortgage is rarely the same twice. Lenders read income, deposit and credit history differently, and the difference between a decline and an approval is often which lender saw the case first. We introduce you to an FCA-authorised mortgage adviser at The Finance Seer Ltd, who searches the market and handles the application. Our introduction is free, and the adviser charges a fee for their advice — they will explain it and agree it with you before you decide whether to proceed.

    What we can help with

    First-Time Buyers

    Deposit, affordability and the steps from offer to keys.

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    Remortgaging

    Coming to the end of a fixed rate, or borrowing more.

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    Home Movers

    Porting, redeeming, or starting fresh when you move.

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    Buy-to-Let

    Rental stress tests, portfolios and limited-company cases.

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    Employed

    Bonus, commission, overtime and brand-new jobs.

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    Self-Employed

    Sole traders, directors and contractors, however you're paid.

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    Company Directors

    Salary and dividends — or your share of retained profit.

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    Contractors

    Assessed on your day rate, not your company accounts.

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    Sole Traders

    Judged on net profit rather than turnover.

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    One Year's Accounts

    Newly self-employed and short of trading history.

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    Adverse Credit

    Defaults, CCJs and missed payments — lenders still exist.

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    Fixed Rate

    Certainty for two, five or ten years — and what it costs.

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    Tracker & Variable

    Payments that follow the base rate, up and down.

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    Interest-Only

    Lower payments, but the balance stays where it is.

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    Offset

    Put savings to work against the balance you pay interest on.

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    New Build

    Offer expiry, incentives and valuation risk off-plan.

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    Shared Ownership

    Buy a share, rent the rest, staircase later.

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    How it works

    Matched in three simple steps

    1

    Tell us what you need

    Answer a few quick questions about who and what you'd like to protect.

    2

    We match you

    We find a specialist adviser who fits your situation — for you, your family or your business.

    3

    Your adviser calls

    They call you back to talk through your options. No jargon, no pressure, no obligation.

    Frequently asked questions

    What will this cost me?

    The introduction itself is free and we take no referral fee. The adviser does charge a fee for mortgage advice — they will tell you the amount and when it is payable, and agree it with you, before you decide whether to go ahead. There is no charge for the conversation that establishes where you stand.

    How much can I borrow?

    Most lenders work to somewhere around four to five times income, but affordability is assessed on your actual commitments, not a rule of thumb. Contract type, credit history and deposit all move the number. An adviser can give you a realistic figure quickly.

    Will enquiring affect my credit score?

    No. Telling us about your situation involves no credit check. A search only happens later, with your permission, when an application is actually submitted.

    Ready to protect what matters?

    It takes about 60 seconds. Tell us what you need and we'll match you with the right specialist.

    Find my adviser →
    GAGet An Adviser

    Based in Stockport, introducing people across the UK to FCA-authorised mortgage and protection advisers. No cost to you, and no obligation.

    Get An Adviser
    Stockport, Greater Manchester
    Based in Stockport · advising across the UK

    Who we are & how we’re regulated

    Get An Adviser is a trading name of IQ Financial Services Ltd, which is not authorised or regulated by the Financial Conduct Authority. We do not provide advice, recommend products or arrange contracts. We operate solely as an introduction service.

    Mortgage enquiries are introduced to The Finance Seer Ltd. The Finance Seer Ltd is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 1017243. We take no referral fee for mortgage introductions.

    Protection enquiries are introduced to Lewis Maxwell, an adviser at The Finance Seer Ltd. He is remunerated by commission or fee from the product provider, so we have a financial interest in protection enquiries and disclose it here.

    Our introduction is free and we take no referral fee. The Finance Seer Ltd charges a fee for mortgage advice. Your adviser will explain the amount and when it becomes payable, and agree it with you, before you decide whether to proceed — there is no charge for the initial conversation.

    IQ Financial Services Ltd is registered in England and Wales, company number 17283569.

    All content on this site is for general information only and does not constitute financial advice. We do not assess suitability or recommend products. Check the FCA register

    © 2026 Get An Adviser. All rights reserved.