Services

First-Time Buyer Mortgages

Helping First-Time Buyers Step onto the Property Ladder

Buying your first home is exciting — but it can also feel overwhelming. At Ernest Henry Mortgages, we specialize in guiding first-time buyers through the entire mortgage process, from understanding how much you can borrow to securing the right deal for your circumstances.

If you’re wondering, “Can I get a mortgage?” — we’re here to help you find out with expert advice tailored to your situation. We’ll explain your options clearly, assist with the paperwork, and work with lenders who support buyers with smaller deposits or non-traditional income. Whether you’re just starting to save or already house hunting, our first-time buyer services are designed to make your journey simple, stress-free, and successful.

Home Mover Mortgages (Inc. Porting, Let-To-Buy, Sale & Purchase)

Home Mover Mortgages – Support for Your Next Step

Moving home? Whether you’re upsizing, downsizing or relocating, Ernest Henry Mortgages is here to make your next move smoother. We offer expert guidance on home mover mortgages, including options for porting your current mortgage, let-to-buy, and managing a sale and purchase at the same time.

If you’re asking, “Can I get a mortgage?” when moving, we’ll help you understand your affordability, navigate your choices, and deal with the lenders — so you can focus on your future home. From coordinating timelines to unlocking equity, our team ensures your move is efficient, cost-effective, and fully supported every step of the way.

Remortgaging (inc. Capital Raising, Further Advances & Product Transfers)

Remortgage Advice – Save Money or Unlock Equity

Whether you’re looking to reduce your monthly payments, raise money for home improvements, or switch to a better rate, Ernest Henry Mortgages is here to help you make the most of your remortgage. We provide expert advice on product transfers, further advances, and capital raising, so you can access the right solution for your needs.

If you’re asking, “Can I get a mortgage?” to release equity or improve your deal, our team will guide you through your options and handle the process from start to finish. With access to a wide range of lenders and rates, we’ll make sure your remortgage works for you — not just for the lender.

*There may be an early repayment charge if you choose to remortgage early.

Buy-to-Let Mortgages & Investors

Buy-to-Let Mortgages for Landlords and Property Investors

Whether you’re purchasing your first rental property or expanding a growing portfolio, Ernest Henry Mortgages offers tailored solutions for landlords and investors. We provide expert advice on buy-to-let mortgages, including limited company lending, HMOs, and portfolio financing.

If you’re asking, “Can I get a mortgage?” for an investment property, we’ll help you understand the lending criteria, rental income requirements, and the best structure for your goals. From sourcing competitive rates to navigating complex applications, we work with a wide panel of lenders to secure deals that align with your investment strategy.

*Not all buy-to-let mortgages are regulated by the FCA (Financial Conduct Authority).

Niche Mortgages (Self-Build, Bad Credit, Foreign Nationals, Self Employed 'Complex Income')

Niche Mortgage Solutions

At Ernest Henry Mortgages, we specialise in helping clients with unique circumstances secure the right mortgage. Whether you’re self-employed, have complex income, are building your own home, or have a less-than-perfect credit history, we understand that your situation doesn’t always fit the standard criteria — and that’s where we come in.

Can I get a mortgage? If you’ve asked yourself this question because your situation feels different, the answer could very well be yes.

We provide expert advice and tailored support across a wide range of niche mortgage products, including:

Self-Build Mortgages– For those taking the exciting step of constructing their own home, we help you navigate staged payments and specialist lenders.
Bad Credit Mortgages– If you have defaults, CCJs, or past financial difficulties, we work with lenders who assess your full picture, not just your credit score.
Mortgages for Foreign Nationals– Whether you’re new to the UK or have limited credit history here, we help secure lending that considers your residency and visa status.
Self-Employed & Complex Income– From sole traders to directors with retained profits, we understand how to present your income clearly to the right lenders.

At Ernest Henry Mortgages, we’re here to give straight answers to the tough questions. If you’re wondering, “Can I get a mortgage?” — even if your situation is outside the norm — let’s talk.

Protection (Life, Critical Illness, Income Protection, Home insurance)

Personal & Home Protection

At Ernest Henry Mortgages, we believe securing your home is just the beginning — protecting it and everything that matters to you is just as important. Whether you’re a first-time buyer, a home mover, or refinancing your property, we provide expert guidance on comprehensive protection tailored to your needs.

Many clients ask, “Can I get a mortgage and be fully protected if something goes wrong?” The answer is yes — with the right protection in place.

We offer advice on a full range of personal and property protection, including:

Life Insurance– Ensures your mortgage and family are financially protected should the worst happen.
Critical Illness Cover– Provides a lump sum if you’re diagnosed with a serious illness, helping you focus on recovery without the financial stress.
Income Protection– Replaces a portion of your income if illness or injury prevents you from working, helping you stay on top of your mortgage and everyday expenses.
Trusts– We help set up appropriate trusts to ensure any payout goes directly to your chosen beneficiaries, efficiently and without delay.
Home Insurance– Buildings and contents insurance to protect your property and possessions from unforeseen damage, loss or theft — often required by lenders as part of your mortgage offer.

We take the time to explain your options clearly and match you with trusted providers to ensure you’re covered when it matters most. If you’re asking, “Can I get a mortgage and be protected?” — we’re here to make sure the answer is a confident yes.

*For insurance business we offer products from a range of insurers.

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

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is £599.

Additional Services (Solicitors, Pensions, Investments, Will Writing, Equity Release, Bridging Finance, Second Charges & more)

Additional Services Through Trusted Partners

At Ernest Henry Mortgages, we go beyond helping you secure the right mortgage — we also connect you with trusted professionals for the next steps in your financial journey. While we focus on delivering expert mortgage advice, we work closely with experienced partners to offer a full suite of additional services designed to support your long-term plans.

Whether you’re asking “Can I get a mortgage and plan for the future?” or looking to manage your property, wealth, or business, we can introduce you to trusted specialists in:

Conveyancing & Solicitors – Expert legal support to handle your property transaction smoothly from offer to completion.
Pensions & Investments – Financial advisers who can help you grow your wealth and plan confidently for retirement.
Estate Planning & Will Writing – Ensure your wishes are honoured and your loved ones are looked after with professional estate planning services.
Equity Release – If you’re aged 55 or over and considering unlocking value from your home, we can connect you with equity release experts.
Bridging Loans & Development Finance – For time-sensitive purchases or property development projects, our partners can arrange fast, flexible finance solutions.
Second Charge & Business Finance – Access additional capital through second charge mortgages or bespoke business funding tailored to your goals.

These services are provided through qualified and regulated third parties we know and trust. Whatever your circumstances, if you’re asking “Can I get a mortgage and access the right support beyond it?” — we’ll make sure you’re in safe hands.