Residential Mortgages, Arranged Around Your Real Circumstances
Buying, moving, investing or remortgaging, we find the mortgage that fits how you earn and what you want to achieve. Expert advice, available anywhere in the UK.
More Choice, Better Preparation, Fewer Surprises
Going direct to your bank gives you access to one lender’s products and one lender’s criteria. If your circumstances fit neatly, that can work. If they do not, you may be declined without ever finding out that another lender would have said yes.
As a broker, we search [WHOLE OF MARKET / OUR PANEL OF X LENDERS], including high street banks, building societies and specialist lenders, some of which only accept applications through brokers. More importantly, we know how each lender assesses income, credit history, property type and deposit, so we can match you to the right one before an application is made.
That matters because every declined application can leave a footprint on your credit file. Getting it right first time protects your credit score and saves weeks of delay.
We also look beyond the headline rate. Arrangement fees, early repayment charges, overpayment allowances and portability can all make a cheaper-looking deal more expensive over its lifetime. We compare the total cost, and we explain our recommendation in plain English.
Mortgages for Every Stage of Life
Homeowner Mortgages
Interest Only Mortgages
Self-Employed Mortgages
Buy to Let Mortgages
High Value and High Net Worth Mortgages
Remortgages
Mortgage Advice With Accountancy Expertise Behind It
Futurewise Finance is the sister company of Futurewise Accountancy. That gives us something most brokers do not have: a genuine, day-to-day understanding of how income is reported in accounts, tax calculations and company records.
For employed clients, that means we can quickly make sense of bonuses, commission, overtime and benefits in kind. For the self-employed, it means we can see your income the way an underwriter will, identify which lenders will treat it most fairly, and make sure your paperwork tells a clear and consistent story.
With your permission, we can work directly with your accountant (ours or yours) so you are not caught in the middle of questions between lender and accountant. It is a joined-up service that simply makes the process smoother.
Simple, Remote and Transparent
Free consultation
Secure document upload
Written recommendation
Application managed for you
Ongoing support
[FEE STRUCTURE: short statement on how Futurewise Finance is paid.]
Explore more of what we offer
Commercial Finance
Working With Us Remotely
Free initial consultation
A short call or video meeting to understand what you want to achieve and what your finances look like.
Online meetings
Talk to your adviser by video or phone at a time that suits you, including [EVENINGS / WEEKENDS, CONFIRM].
Secure document upload
Send payslips, bank statements and accounts through our encrypted portal the moment you have them.
Electronic ID verification
Confirm your identity online in minutes.
E-signatures
Sign your paperwork digitally, from your phone if you like.