First home
We explain stamp duty reliefs, schemes for small deposits and how lenders treat your rent history, then agree a realistic budget before you fall in love with a house you cannot afford.
Whole-of-market mortgage brokers · Manchester
Your deposit took years to save, so the mortgage should not be a guess.
Hearthgate Mortgage Brokers compares more than ninety lenders for first-time buyers, movers, remortgagers and landlords, then stays with you until the keys are in your hand. We explain every number before you commit to it, and our fee is written down before you proceed.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Lenders on our panel include
- Pennine Building Society
- Ribble & Ouse
- Calder Bank
- Mersey Mutual
- Thornfield Lending
- Kestrel Home Loans
Whichever door you are standing at
A mortgage is rarely just a rate. It is a deposit, a survey, a solicitor and a deadline, and our advisers keep all four moving in the same direction.
Remortgage and product transfer
We diarise your rate end date nine months ahead, compare your own lender's offer with the wider market and move you only if the saving survives the fees.
Self-employed and contractors
Two years of accounts are not the only route. We know which lenders will use a latest-year figure, a contract day rate or a limited company's retained profit.
Buy-to-let and landlords
Rental cover ratios, limited-company purchases and portfolio rules vary wildly between lenders. We map them before you instruct a valuer.
See roughly what a mortgage might cost each month
Move the sliders to match a purchase you are considering. The sum uses simple sample rates, so treat it as a conversation starter rather than an offer.
Indicative monthly repayment£1,344on a repayment basis
Sample arithmetic for illustration. Not a mortgage offer or a personal recommendation.
Talk it through with an adviserHearthgate in numbers (sample figures)
- Lenders on the panel
- 94+
- Typical time from application to offer
- 21 days
- Completed mortgages this year
- 1,860
- Average rating from clients
- 4.9 / 5
From first chat to the day you collect keys
- 01
Free call
Twenty minutes about your income, deposit and timing. You leave with a rough borrowing range and the documents we will need.
- 02
Agreement in principle
We choose the lender, run the soft credit checks and issue a certificate you can show estate agents the same day.
- 03
Full application
Your adviser completes the forms with you, uploads proofs and chases the valuer, so nothing sits unread in a queue.
- 04
Offer and completion
We check the offer against what we recommended, brief your solicitor and stay on call until the money moves.
People who got their keys
“I am a contractor and three banks had said no. Hearthgate found a lender that used my day rate, and we completed in five weeks.”
“Our rate ended in March and the adviser had already emailed a comparison in the previous summer. We saved £212 a month.”
“Nobody made us feel silly for asking what a valuation was. The explainer videos before each step were exactly what we needed.”
Composite quotes from fictional clients.
Before you book your call
How are you paid?
Mainly by a procuration fee from the lender once your mortgage completes, and a fixed adviser fee where we say so in writing before you proceed.
Will a search harm my credit file?
Our first checks are soft searches that lenders cannot see. A hard search happens only after you approve a specific lender and product.
Can you help if I have missed payments?
Often, yes. Several lenders consider adverse credit case by case, and we explain which ones to approach and how long to wait.
Do you cover the whole of the UK?
We advise on mortgages for homes in England, Scotland and Wales. Northern Ireland cases are handled by a partner firm we introduce personally.
Know your number before you view the house.
A free call takes twenty minutes and will leave you with a borrowing range, a document list and a plan for the next fortnight.
Book your call with an adviser
Share a few details and we will phone at a time that suits. On the live site, a Keystone adviser calls back the same day when possible.