How big of a home loan can I get?
Understanding how much you can borrow is a crucial step in the home buying process, as it helps you to set realistic expectations
January 2, 2026
Welcome to Ascot Mortgages, a trusted mortgage adviser in Warrington. We’re proud to serve the North West, but we also provide personalised mortgage advice and brokerage services to customers nationwide.
We’re a family-run business with over 17 years of experience in the mortgage industry. So you can trust us to help you find the perfect financing solution, whether you’re buying your first home, a commercial property or embarking on an ambitious self-build.
Ready to get started? Contact us for free, no obligation mortgage advice.
How Ascot Mortgages Can Help
Our services include:
- Residential mortgages
- Buy to let mortgages
- Bridging finance
- Commercial mortgages
- Self build mortgages
- Personal protection
- Income protection
- Property and mortgage protection
- Equity release
First Time Buyer, Or Ready To Remortgage?
Whatever your situation and however big or small your plans, Ascot Mortgages can help you secure the finance you need.
Our experienced mortgage advisers can guide you through your options for buying your first home, or secure you a great deal when it’s time to remortgage your existing home.
You might be a self-builder working on a grand design, a retiree looking to unlock equity from your home, or a business owner looking to refinance and restructure.
Whether it’s an interest-only mortgage, equity release product, bridging finance or a specialised mortgage for homeowners aged 55 and over – we can help with it all.
Not sure where to start? Use our handy mortgage calculators to work out how much you can afford to borrow and repay.
Then call our team on 01925 711558 or email [email protected] to arrange an appointment. We’ll take the time to understand your circumstances and provide tailored advice, to help you find a mortgage that meets your needs exactly.
Book Your Free Consultation With Our Trusted Mortgage Advisers In Warrington
At Ascot Mortgages, our approach is as unique as you are. This is why we offer one-to-one appointments to talk through your requirements with your own expert mortgage adviser.
Once we have the details, we can run through the options available to you – including some of the best mortgage deals on the market.
Ultimately though, it’s about finding financing that’s the right fit for you – now and in the future.
Book your free initial consultation here, and let’s get things moving.
Your Mortgage Questions Answered
Who Are Ascot Mortgages?
Ascot Mortgages is a family-run business of mortgage brokers in Warrington, although we serve the whole of the UK. We launched in December 2008 and since then, have helped thousands of customers find financing solutions. We’re incredibly proud that most of our customers have either used our services in the past, or have been referred to us by a friend or family member. Meet our friendly, experienced team here.
How Does The Initial Consultation Work?
During your initial consultation, your mortgage adviser will ask you some questions about your circumstances. This includes details of your job and income, financial commitments and of the property you’re hoping to buy or remortgage. We need this information to understand your requirements, so we can provide personalised advice and recommend a suitable mortgage or finance solution.
At Ascot Mortgages, our initial consultations are completely free and shouldn’t take up too much of your time. We’re happy to give you a call at a time that suits your schedule.
What Can I Do To Prepare For A Mortgage Appointment?
Ideally, you should have the following information to hand ready for your mortgage consultation with us:
- Personal details for all applicants including address, date of birth and contact information
- Annual income figures for all applicants
- Employment information for all applicants, including employer’s name and address
- Details of financial commitments, including debt repayments and regular outgoings
- Savings, including deposit amount
- Details of the property you’re looking to buy or want to remortgage.
What Does A Mortgage Broker Do?
A mortgage broker acts as the intermediary between you (the borrower) and mortgage lenders. They assess your needs and financial situation, then search the market for the most suitable mortgage products for you. They even guide you through the application process.
Mortgage Brokers In Warrington Vs. Banks – Which Should I Choose?
It’s tempting to simply go for a mortgage with your current bank, but this could be a mistake. Unless you know what else is out there, you could end up with a product that’s too costly or is simply a bad fit for you.
This is where our expert mortgage brokers in Warrington come in. They’re not tied to one bank or other provider, so can recommend the best fit for you.
What Type Of Mortgage Is Best For Me?
There are a large number of mortgage types available in the UK, including fixed-rate, interest-only, offset, tracker, buy-to-let, green and specialist mortgages. It’s important to get personalised advice to find the right solution that fits your needs.
Do Your Mortgage Advisers In Warrington Help With Mortgages Across The UK?
Ascot Mortgages is proudly based in Warrington, but we offer mortgage advice and brokerage services throughout the UK. So wherever you live or wherever you’re moving to, we can help.
When Should I Get An Agreement In Principle?
It’s a good idea to get an agreement in principle from a mortgage lender before you start viewing properties to buy. In some cases, estate agents won’t let you view properties without this in place – as they need assurance that you have your finances ready to go.
To start the process of getting your agreement in principle, just get in touch with Ascot Mortgages.
How Much Deposit Will I Need For A First Time Buyer Mortgage?
While it may depend on the mortgage product and the lenders, you’ll usually need a minimum of 5% deposit to get a first time buyer mortgage in the UK.
Get in touch with our team for advice on what mortgages you may be eligible for, and take a look at our mortgage affordability calculators too.
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