Proper Mortgages. Proper Advice.
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About Us
Buying a home or refinancing can feel complex, but it doesn’t have to. Here are Proper Mortgages, we have designed a process so that whether you are buying a home, buying an investment property or maintaining an ongoing mortgage, your outcome is optimised and you are kept informed from start to finish.
As independent mortgage brokers, we work on your behalf, not the lender’s. That means we search across a wide panel of banks and lenders to find options that truly suit your goals, budget, and circumstances.
We take the time to understand your situation, explain your options in plain language, and handle your application from start to finish. Our role is to negotiate competitive rates, structure loans intelligently, and remove as much stress as possible from the process.
With deep industry knowledge, strong lender relationships, and a commitment to transparent, personalised service, we’re here to help you make informed decisions with confidence. Your goals drive our advice, and your success is our priority.
How we can help:
Protection
WWhether you are an experienced landlord with a portfolio of properties, or you are purchasing your first home. We can recommend a range of insurances policies that suit your needs. We have access to a bespoke panel of reputable providers so that we can offer you competitive premiums that protect you and your family.
First Time Buyers/ Moving Home
* Calculate your maximum borrowing budget
* Provide clear quotes and detailed figures so you know exactly where you stand
* Secure a Decision in Principle to strengthen your position when making an offer
* Manage your full mortgage application, liaising with lenders and third parties on your behalf
* Guide your application through to formal mortgage approval
* Help you get the keys to your new home as quickly and smoothly as possible, with ongoing support throughout the entire journey
Mortgage Renewals/ Raising Capital
* Contact you up to six months before your fixed rate expires
* Provide clear quotes and tailored figures based on your circumstances
* Secure and reserve a new mortgage deal up to six months in advance
* Continuously monitor interest rates and notify you if better options become available, ensuring you benefit from the most competitive deal
Buy-To-Let Mortgages
Whether you are an experienced landlord with a portfolio of properties or you’re completely new to the Buy-To-Let world, we are here to help. We help our clients to fully understand the Buy-To-Let market and we provide them with bespoke quotations when the time comes, offering continuous support throughout. We can also maintain and help to manage the mortgages across your portfolio and we do not typically charge for this service.
Fee Structure
At Proper Mortgages, we don’t charge our clients up front. Any fees that are payable will be disclosed to you from the outset and will only be payable once your mortgage has been approved. If we can’t help, you won’t be charged at all
We don’t charge clients to handle their mortgage renewal, and our fee structure is broken down into the following tiers:
Standard Fee: £200 – For most regular purchases including Buy-To-Let
Complex Fee: £400 - For more complex applications/ some smaller mortgages
No Fee – For like-for-like renewals, so letting us maintain and manage your mortgage in the future doesn’t mean racking up a larger bill