Your Trusted Mortgage Advisor

Speak to an Expert Advisor


Let us Look Into The Best Rates

Why Choose Us

0 %
5-star reviews on Google
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market
£ 0
total donated to various charities

Why Choose Ascot Mortgages

0 %
5-star reviews on Google
£ 0
total donated to various charities
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market

What Our Clients Say About Us

5.0 Based on 143 reviews from review us onFlora R. ★★★★★ I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.Debbie P. ★★★★★ Cannot speak highly enough of Ascot Mortgages who have helped me on my journey over the last seven years. They have made the dream property possible twice. Thank you to Alison, Jardelle and all the team. I am very grateful.Areti D. ★★★★★ Absolutely thrilled with the exceptional service provided by Ascot Mortgages Ltd and especially by Natalia Barry! Even though our home purchase hasn't been completed yet, we couldn't wait to share our positive experience. From the moment we reached out, their professionalism and expertise shone through, making the daunting process of securing a mortgage a breeze.Not only did Natalia navigate the intricacies of the mortgage market with finesse, but they went above and beyond by suggesting other high-quality services, including solicitors and insurance providers. This comprehensive approach is making the entire home-buying journey seamless and stress-free.Natalia took the time to understand our unique needs and financial situation, ensuring that the options presented were tailored perfectly.Communication is prompt and clear throughout, leaving us feeling informed and confident at every stage. Natalia had our best interests at heart, going the extra mile to secure a fantastic mortgage deal.We cannot recommend Ascot Mortgages and Natalia highly enough. If you're in need of mortgage assistance, look no further. With their expertise and dedication to client satisfaction, you're in the best hands possible. A huge thank you to Natalia for making our home-buying experience a dream come true!Ashley Cox 1. ★★★★★ Would 100% recommend. Myself and my partner are currently going through the mortgage process as first time buyers. Natalia Barry has dealt with our application from day one. She has always been on hand to help, informative throughout and reliable when we have had questions. She has given us several options and broken them down into simple terms to help us. Natalia has truly been exceptional who deserves every bit of credit. We certainly got lucky having her as our first mortgage consultant.Dominik S. ★★★★★ Alison and the Ascot Team are excellent. I have used them for 5 years now and they deliver the most competitive mortgage deals fast. Just what I need. Thank you!Eric T. ★★★★★ We have dealt with Ascot Mortgages twice. Once for a mortgage about eleven years ago and recently for life insurance.In both cases we were treated with the utmost respect and professionalism.In the case of the life insurance application, we considered ourselves to be problem customers because of our age and numerous health issues.Richard Johnson, who managed this application couldn't have been more helpful.He worked in our best interest and was dedicated to providing an excellent service.We were kept up to date through all of the stages of the application and when our doctors were very slow in producing medical reports for the insurance company he persisted where others might have given up.The service we had from Richard was pleasant and professional throughout some difficult stages.My wife and I have no hesitation in recommending Ascot Mortgages.Zack R. ★★★★★ Having dealt with Ascot Mortgages and Alison for many years now I can say that you wont find a more professional, knowledgeable and efficient company to help with your mortgage. Alison is patient and makes the whole process seem easy. She has the answer to any question you have and seems to genuinely care. I can not recommend enough. I am sure I will be using Ascot Mortgages for years to come.Umair Z. ★★★★★ It has been a fantastic experience to work with both Phil and Jardelle at Ascot Mortgages to secure a mortgage product for my first home. Phil made the mortgage process smooth and easy. They are professionals and know what they are doing. Very pleased with the service and communication. would highly recommend them.Hello at NLP West M. ★★★★★ I needed a buy to let re-mortgage. Ascot were efficient from start to finish. I can recommend them completely especially because they can search the whole spectrum of mortgage lenders and meet the clients needs. never waiting for staff to get back and always kept me in the loop.Onohomen O. ★★★★★ ZHOU J. ★★★★★ It has been a brilliant experience to work with both Phil and Jardelle at Ascot Mortgages to secure a great mortgage product for our next home. Given how challenging the current market is, they have done a fantastic job to meet our needs with their expertise, professionalism and effectiveness. We would highly recommend their services to whom seeks help with their property purchase.Nicholas S. ★★★★★ Fantastic service. Ellie and Jardelle were always quick to reply to any queries and very helpful throughout the process. Highly recommend!Stacey S. ★★★★★ Jason was brilliant to work with! Always on top of the transaction! Would highly recommend 👍Scott ★★★★★ Although I've not bought anything yet, they (Jason in particular) have been super helpful in my search for the right mortgage deal, whilst also giving an honest opinion during these difficult times. Would highly recommend.Sandra I. ★★★★★ Fantastic from start to finish! Natalia and Jason found me the best rate for my remortgage and they were extremely efficient! Best service I’ve ever received from a brokerage company. Thanks so much.Virmantas N. ★★★★★ Amazing service and great communication. Ellie Morgan had quickly completed all requests and over delivered all expectations.Highly recommended for those who want to get the stuff done without any delays!David W. ★★★★★ I have used ascot for 3 renewals since they done helped me with my purchase which was complicated and will continue to use them going forward. Very fair prices and very helpful and knowledgeable even with just general information.Adam B. ★★★★★ Natalia made life very easy for us when remortgaging. Third time using ascot always a breezeTaff G. ★★★★★ Ascot Mortgages have been brilliant. Easy to work with and incredibly helpful. I am always happy to recommend them. Natalia and Jason have made the whole process much easier than I was expecting. Excellent service.Daryl L. ★★★★★ We've had a fantastic experience with Natalia Barry and Jason Jones at Ascot Mortgages for our property purchases and refinancing. Their expertise, coupled with genuine care and understanding of our needs, made the process smooth and stress-free.They were consistently communicative, keeping us informed at every step. Their assistance in consolidating our protection cover was invaluable, simplifying what could have been a complex process.What set them apart was their personal touch – always polite and ready to pick up the phone for a chat. This level of personal engagement is rare and much appreciated.In short, Natalia and Jason are not just skilled professionals but also truly dedicated to their clients. We highly recommend their services to anyone in need of mortgage advice.Sarah A. ★★★★★ I have used this firm for several years and they have always been super helpful and supportive, attentive and resolved issues in really useful ways. Shout out to Alison, Ellie and Jardelle (and the team!)Georgia W. ★★★★★ We worked with Ellie to secure our mortgage and protection, and she was a dream! Being a first time buyer, I was quite clueless about the process, and in a time where mortgage rates have been quite high, she worked right til the end to make sure we were getting our mortgage at the best possible rate and was always available to answer all questions I had. Can't recommend enough 🙂Richard D. ★★★★★ Laura S. ★★★★★ As a first time buyer, trying to navigate through potential mortgages was a very daunting thought. Ascot Mortgages were recommended to me and I've been extremely happy with the service provided. They have guided me through every step and I finally have a mortgage. Very pleased and would recommend.Lucy B. ★★★★★ Having Phil as my mortgage advisor was great from the very start! He is down to earth and speaking to him was always a pleasure. The kindness, compassion and support I have been given all the way through what can be a stressful process was immeasurable. Phil and Jardelle worked as a solid team and was able to make me feel at ease all the way through buying my first home. The team were always available and the communication between everyone was always clear and I felt safe in the hands of the company as a whole. Thank you for helping me buy my first home!js_loader

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:


Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:



Securing a mortgage, a loan taken out to buy property or house, can feel like navigating a complex maze. With the mortgage market in the UK being so complex and fast changing, it is essential to make an informed decision when picking the right mortgage for you. This article aims to highlight the mortgage pathway, providing you with comprehensive insights and guidance.

How to Get a Mortgage

  1. Check your credit score: Your credit score impacts the mortgage rates offered to you. You can check your score for free with a credit reference agency.
  2. Decide what type of mortgage you need: Your choice will hinge on your personal circumstances, the property or house in question, and the amount you can afford to repay monthly.
  3. Save for a deposit: As a rule of thumb, a larger deposit equates to lower interest rates.
  4. Compare mortgages: Utilise a mortgage comparison tool to help you unearth the best mortgage deal tailored to your specific needs, including the percentage of interest and deposit.
  5. Apply for a mortgage: You can either apply directly to a lender or engage a mortgage advisor or broker to help you navigate the market. At Ascot Mortgages, our professional advisors provide impartial mortgage advice, guiding you to the best deals across the market, including those specific to house purchasing.
  6. Obtain a decision in principle: This statement from a lender promises a certain loan amount before you’ve finalised the purchase of your house subject to full underwriting.
  7. Complete the purchase: After your offer on a property or house is accepted, you can finalise the mortgage application process.

Mortgage Repayment Calculator

What Mortgage Do I Need?

Identifying the right mortgage deal for your needs is vital. Let’s explore a few types:


Remortgaging allows you to switch your current mortgage to a new deal with your existing lender or a different one. If your fixed-rate term is nearing its end or if interest rates have dipped since your mortgage initiation, remortgaging could save you money. Our Ascot Mortgages team is well-versed in facilitating remortgages, aiding in securing the best deals for residential properties.

First Time Buyer

First-time buyer mortgages are tailored for individuals taking their first steps into property purchase. Factors such as income, credit score, and deposit size are considered by the lender.

Buy-to-let Mortgage

Buy-to-let mortgages cater to those purchasing a property for investment purposes. Typically, these are interest-only loans, where only the interest, not the loan itself, is repaid each month. Ascot Mortgages is a leading mortgage broker in securing buy-to-let mortgages, helping investors to achieve their goals of either increased income or capital growth for their future pension.

Ascot Mortgage Expert

What Our Expert Says...

Mortgages help many people buy their dream homes. However, choosing the right mortgage can be tricky due to the many options available. Whether you’re buying for the first time or considering a new mortgage, good advice is key. Always remember, mortgages are long-term deals, so make sure you choose wisely. I am here to help guide you to the right decision. Don’t hesitate to seek expert advice when you need it.

What Are the Different Types of Mortgages?

The world of mortgages offer many different options. Here are some commonly chosen types:

Fixed Rate

A fixed-rate mortgage provides the security of a fixed rate of interest for a predetermined period, ensuring consistent monthly repayments.

Variable Rate

A variable rate mortgage, conversely, has a fluctuating interest rate, meaning monthly payments could rise or fall.

Tracker Rate

A tracker rate is a variable interest rate which ‘tracks’, or follows, the Bank of England base rate, or Sonia rate for example meaning monthly payments could rise or fall.


Discount mortgages offer a reduction on the lender’s standard variable rate (SVR) for a certain duration.

Standard Variable Rate (SVR)

The SVR is a type of mortgage interest rate that you are most likely to switch to after an initial fixed, tracker or discounted deal expires.

Fixed or Variable Offset Mortgage

An offset mortgage ties your mortgage to your savings account. The savings are ‘offset’ against the mortgage debt, and you only pay interest on the balance between the two.

Interest Only

An interest-only mortgage involves paying just the interest on the loan and nothing off the capital – the amount you borrowed.

What Mortgage Can I Afford?

Your income, outgoings, credit score and deposit size all influence the mortgage loan you can afford. Lenders use these factors to assess lending risk.

A mortgage calculator can be invaluable in determining how much you could potentially borrow and what your monthly repayments would be.

Mortgage calculators provide a snapshot of how much you might be able to borrow, and what your repayments could look like. They consider the loan amount, the interest rate, and the loan term.

Help for First-Time Buyers

Several schemes aim to support first-time buyers stepping onto the property ladder:

The Mortgage Guarantee Scheme

This scheme sees the government providing lenders the guarantee required to offer mortgages covering up to 95% of the purchase price.

Help to Buy Equity Loan

Under the Help to Buy Equity Loan, the government lends you up to 20% of the cost of your newly built home. This is combined with a 5% deposit and a 75% mortgage to cover the remaining cost.

Help to Buy Shared Ownership

Shared Ownership enables you to buy a share of your home (typically between 25% and 75%) and pay rent on the remaining share.

Stamp Duty Relief

In the UK, first-time buyers can benefit from stamp duty relief, meaning no stamp duty is paid on properties up to a certain value.

Choosing a mortgage is a significant financial decision, and getting the best advice is critical. Always consider your personal circumstances, do your research, and seek professional advice if required. As a family-run business with over 40 years’ experience in the financial services industry, Ascot Mortgages is dedicated to delivering the best mortgage deals while maintaining excellent customer service.

Taking that leap to secure a mortgage can indeed seem like a daunting process, especially for first-time buyers. The vast number of choices and considerations can easily leave one feeling somewhat lost. That’s why consulting with a seasoned professional can dramatically increase your chances of success. It can bring clarity to those seemingly convoluted mortgage-related complexities, preventing you from falling prey to any potential pitfalls borne out of a lack of understanding. 

Now’s the time to align yourself with a trusted partner to secure the most advantageous mortgage deal for a house. With Ascot Mortgages, you’re not just comparing mortgages; you’re elevating the entire process. So stay connected and discover the real opportunities that await you within the UK’s mortgage landscape. Don’t just secure a mortgage; master it with Ascot Mortgages and make your dream house a reality.

Apply for a Mortgage

Get things moving, apply for a mortgage.

Call Now - 01925 711 558

Free unbiased mortgage advice is just a phone call away.


A mortgage is a loan used to buy property or land. You repay the loan, along with interest, over a set term. The property is used as security until the loan is fully repaid.

The LTV ratio is the amount of the loan compared to the value of the property. For example, an 80% LTV means you borrow 80% of the property’s value. The rest is covered by your deposit.

This depends on your income, outgoings, and personal circumstances. A general rule is that your mortgage payments should not exceed 28-35% of your gross income. When you’re ready, we can help you work out what you can afford.

This is the cost of borrowing money for your mortgage, expressed as a percentage of the loan. It impacts your monthly repayments and the total amount you’ll repay.

Consider the type of mortgage, its term, repayment structure, fees, and the lender’s customer service.

A mortgage in principle is a conditional offer made by a mortgage lender that they would ‘in principle’ give you this amount of money towards purchasing a property.

APRC stands for Annual Percentage Rate of Charge. It includes both the mortgage interest rate and any associated costs for securing the mortgage.

Common fees include booking fees, arrangement fees, valuation fees, and legal fees.

You’ll usually need buildings insurance, and you may want to consider life insurance, income protection, and critical illness cover.

Improving your credit score, saving a larger deposit, reducing debts, and ensuring you’re on the electoral roll can all help.

Typically, you’ll need at least 5-10% of the property’s value, although a larger deposit could secure better rates.

Meet Our Team


Contact Us

*Privacy Notice - Any information provided will be treated with confidentiality and will only be accessible within Ascot Mortgages