Mortgages - how we can help you

It is difficult to choose the right mortgage for your future home with thousands of different options available and each lender having different requirements and rules. We help you find the best mortgage for your budget, unique circumstances and needs and provide expert unbiased advice and guidance.

We will also provide you with different options to make sure you can still afford your monthly mortgage payments in case rates start to increase.

Potentially, you could borrow anywhere between 3-5 times your salary.

The quickest way to discover the maximum you can comfortably borrow is by speaking to an experienced mortgage broker, such as ourselves, and getting them to check out all available mortgage deals. That way, you can be sure you get the cheapest deal.

Contact us now to get your home move moving!

How We Work

Your journey starts with a free, no-obligation consultation where we get to know you, your goals, and your financial situation. We’ll discuss your plans — whether you’re buying your first home, remortgaging, or investing — and answer any initial questions you have. This step ensures we understand your needs and set a clear direction from the start.
Next, we assess your affordability by reviewing your income, outgoings, credit history, and future plans. Based on this, we outline the types of mortgages available and recommend a tailored strategy. This gives you a clear picture of what you can borrow and the options most suited to your circumstances.
Our experts search the whole of the market to find the most competitive deals that match your needs. We’ll compare interest rates, terms, and lender criteria before presenting you with a shortlist of suitable options. Once you’re happy, we’ll explain each recommendation in plain English so you can make an informed choice.
We’ll guide you through the application process, ensuring all necessary documents — such as proof of income, ID, and bank statements — are collected and submitted accurately. Our team handles the paperwork and communicates with the lender on your behalf, reducing stress and increasing the likelihood of approval.
Once your application is submitted, the lender will conduct a property valuation and assess your information in detail. During this stage, we liaise closely with the lender to resolve any queries quickly and keep you updated throughout. When everything is approved, you’ll receive a formal mortgage offer — a major milestone on your journey.
With the mortgage offer secured, your solicitor finalises the legal work, including property searches and contracts. We coordinate with all parties — lenders, solicitors, and estate agents — to ensure a smooth handover. Once everything is signed and funds are released, you can collect the keys and celebrate completing your mortgage journey.
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Steve Palmer was a wonderful mortgage advisor, especially as a first-time-buyer. He was always ready and available to answer any questions I had and was extremely quick at progressing things. I got my mortgage offer in a matter of days of contacting him. Cannot recommend enough!

Alicia LM

A massive thank you to Nathan at Elite Mortgages! Nathan helped us secure a re-mortgage and also a mortgage on our new home. From start to finish he was responsive, professional and as first time buyers he was absolutely brilliant, put our minds at ease and answered any queries we had promptly and clearly. I would definitely recommend, thanks again!

Will Lewis

We have used Anthony at Elite Independent Mortgages for our first mortgage in 2020, and our re mortgage in 2023. As 2 young women, and first time buyers it has been such a relief to have Anthony’s help every step of the way. He has always endeavoured to explain things clearly and kept in touch over any questions and concerns, understanding the stress and confusion mortgages can cause. We feel so safe in his hands and will definitely continue to use in the future and would recommend to anyone.

B Lydia

I’ve had the pleasure of working with Martyn and the team for the past few weeks and their superior knowledge and guidance has been crucial to securing a mortgage for our new business premises. I can’t recommend these guys highly enough.

Anthony Phelps

Frequently Asked Questions

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Contact Us Today! We're happy to help you with all your property needs.

We provide first-time buyer mortgages, remortgages, buy-to-let, and specialist options suited to your personal or business needs.

Usually between 5–10% of the property’s value, depending on your circumstances and the lender’s requirements.

Yes, remortgaging can save you money or release equity. We’ll compare offers and manage the entire process for you.

It’s an initial confirmation from a lender showing how much they’re likely to lend — helping you shop with confidence.

Most applications take 2–4 weeks for approval, depending on the lender and your documents.

Yes. We work with lenders who specialise in self-employed and contractor mortgages using your full financial history.

Your initial consultation is free, and any fees are clearly explained upfront — no hidden costs.

Our clients choose to trust us over the competition because of the way we conduct our business.

A team of qualified financial mortgage advisers backed up by a dedicated team of support staff.

We’re independent, we work for our clients’ interests, not those of a bank or insurance company.

We continue to monitor the marketplace and will keep you updated on opportunities.

We provide access to your own Client Portal for secure messages and document uploads.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Elite Independent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority, which oversees all financial business in the UK. You can find us on their website www.fca.org.uk. Our registration number is 301502. Our registered address is 3 Hannah Street, Porth, Rhondda Cynon Taf, CF39 9PU.