Mortgages

Finding the right mortgage shouldn't be stressful. As independent mortgage brokers, we search the entire market to find the most suitable deal for your circumstances. Whether you're a first-time buyer, moving home, or looking to remortgage, we handle the process from application to completion. With access to over 500 high-street lenders, challenger banks, private banks, and specialist lenders, we can often find solutions where others have said no.

Speak to an Adviser 0115 967 0888

Our Mortgages Services

First-Time Buyers

Step-by-step guidance through your first property purchase, from affordability assessments and deposit planning to application and completion.

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Home Movers

Expert support whether you're upgrading, downsizing, or relocating — we'll find the best deal and manage the process.

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Remortgaging

Don't roll onto your lender's standard variable rate. We'll find you a competitive new deal and handle the switch.

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Buy-to-Let Mortgages

Specialist lending for investment properties, including portfolio landlords, HMOs, and limited company buy-to-lets.

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High-Value Mortgages

Tailored solutions for premium properties, with access to private banks and specialist lenders.

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Equity Release

Access the wealth tied up in your property with lifetime mortgages and home reversion plans, with clear advice on the long-term implications.

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Bridging Finance

Short-term funding to bridge the gap between property transactions, auction purchases, or renovation projects.

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Auction Finance

Fast, reliable funding to meet the 28-day completion deadline on auction property purchases.

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Why choose Veracity?

Truly Independent

We're not tied to any provider. As whole-of-market advisers, we search every product available to find the right solution for you — not the one that pays us the most.

Dedicated Adviser

You'll work with the same adviser throughout your journey. Someone who knows your circumstances, understands your goals, and is there when you need them.

Transparent Fees

No hidden charges, no surprises. We'll explain exactly how we're paid before any work begins, so you can make an informed decision.

Ongoing Reviews

Financial planning isn't a one-off event. We review your plan regularly to make sure it stays on track as your life and the markets evolve.

What our clients say

"Edwin has helped us in many financial ways. I am happy to trust him implicitly with anything of a financial nature. His quick responses and thorough explanations have been invaluable. He is always up-front about fees."

Chris

Advised by Edwin Snapper

Investments, Mortgages & Protection

"Professional. Knowledge impressive, manner pleasant. Tony has taken great pains to ensure proposals met our requirements."

Louise

Advised by Tony Towers

Mortgage Advice

"Very flexible on appointments with clear guidance throughout the process. Kept us updated with patience and good nature."

William

Advised by Tony Towers

Mortgage Guidance

Frequently Asked Questions

Is it worth remortgaging right now?

It depends on your current rate, property value, and future plans. When your initial deal ends, your rate reverts to the lender's Standard Variable Rate, which is almost always significantly higher. We recommend exploring new deals approximately three months before your current rate expires. We'll assess whether remortgaging makes financial sense for your specific situation.

How much does it cost to remortgage?

Fees vary by lender — some offer low or no upfront costs while others charge arrangement and valuation fees. Our advisers compare all available options to determine whether the savings from a lower rate justify the fees involved. In many cases, the overall saving is significant. Our typical mortgage advice fee is £299, payable on completion.

Can I remortgage if my property value has changed?

Generally yes. If your property has increased in value, you may be able to access better rates or release equity. If it has decreased, your options may be more limited, but remortgaging is still usually possible. We'll assess your current loan-to-value ratio and find the best available deal.

Do you offer face-to-face advice?

Yes. We offer face-to-face meetings at our Woodthorpe office in Nottingham, video calls, and phone consultations — whichever suits you best. We serve clients across the UK, not just the Nottingham area.

How much can I borrow?

A useful starting point is to multiply your gross annual income by 4.5, though lenders vary this multiple depending on your circumstances, outgoings, and credit profile. We can run detailed affordability calculations and access lenders who may offer higher multiples for certain professions or circumstances.

What deposit do I need as a first-time buyer?

Most lenders require a minimum deposit of 5-10% of the property value, though a larger deposit (15-20%+) will give you access to better interest rates. First-time buyers are exempt from Stamp Duty Land Tax on properties under £300,000. We'll help you understand the true cost of buying, including solicitors' fees, insurance, and moving costs.

What happens when my mortgage deal ends?

When your initial deal period ends (typically after 2-5 years), your rate reverts to the lender's Standard Variable Rate (SVR), which is usually significantly higher. This can mean hundreds of pounds extra per month. You should start exploring new deals approximately three months before your rate expires — either a product transfer with your existing lender or a remortgage to a new lender.

Looking for the right mortgage?

Book a free, no-obligation consultation.

Book a Free Consultation

Or call: 0115 967 0888