YOUR HOME. YOUR FUTURE. OUR FOCUS.
Mortgage and
protection advice,
made personal.
Whether you’re buying your first home, moving, renewing your mortgage or protecting your family, we’ll help you understand your options and take the next step with confidence.
Real people. Real solutions. Proper Mortgages.
For wherever life takes you next.
HOW WE CAN HELP
Every chapter, properly considered.
Wherever you are in your journey, we’ll help you find a way forward that feels right for you.
First-time buyers
From understanding your budget to getting the keys, we’ll guide you through your first mortgage.
Find out moreMoving home
A new chapter, with a clear picture of your options and support from offer to completion.
Find out moreRenewals & remortgaging
Coming to the end of your deal? We’ll help you plan ahead and explore your next mortgage.
Find out moreRaising capital
Explore releasing equity from your home, with advice shaped around your circumstances.
Find out moreBuy-to-let & property investment
Mortgage advice for first-time landlords, property investors and those growing a portfolio.
Find out moreInsurance & protection
Life insurance, income protection and critical illness cover, to protect your home, family and future.
Find out moreWHY PROPER MORTGAGES?
Good advice.
Proper support.
A mortgage is a big decision. You don’t have to make it on your own.
Advice that fits your life
We take the time to understand your circumstances and goals, then explain suitable options in plain English.
The details, taken care of
From applications to paperwork and speaking with lenders, we help keep things moving and keep you informed.
Looking ahead, together
We monitor rate movements during your application and help you prepare for your next mortgage renewal.
WHAT OUR CLIENTS SAY
Don’t just take our word for it.
Read honest, independent reviews from people we’ve helped with their mortgages and protection.
A STRAIGHTFORWARD PROCESS
From a first chat to your next chapter.
Let’s get to know you
Tell us about your circumstances, your plans and what you’d like to achieve.
Make sense of your options
We explain suitable choices and guide you through your application, step by step.
Here for what comes next
We support you through completion and help you plan for future renewals.
CLEAR ADVICE. CLEAR FEES.
No surprises. Just transparency.
We don’t charge upfront. You’ll know where you stand from our very first conversation.
Like-for-like renewals
No fee for like-for-like mortgage renewals, so you can return to us without recurring advice fees.
Standard fee
Applies to most standard purchases and some more complex remortgages.
Complex fee
Applies to more complex and certain small loan applications.
Any applicable fee is explained at the outset and is only payable once your mortgage has been approved. If we can’t help, you won’t be charged.
Our full fee structure
A PERSONAL APPROACH
Professional advice.
A real human connection.
Buying or refinancing a home is a major milestone. We believe the advice you receive should feel personal, straightforward and built around you.
At Proper Mortgages, we take the time to listen, make the complicated feel clearer and support you from the first conversation onwards.
A little more about usA CONVERSATION IS A GOOD PLACE TO START
Let’s talk about your next move.
Tell us what you have in mind. We’ll take it from there.