When you’re looking at buying probably the largest investment you’ll ever make, it makes sense to get the right advice. Our advisers have been advising on mortgages and the relevant insurances since 1992 and provide expert knowledge and guidance.
We have access to the whole of the market which includes products that aren’t available directly to the general public, meaning we can find the right tailored product for your individual circumstances.
So if it’s your first purchase, or you’re looking to replace the product that’s just about to expire, or whether you’re looking to buy a property for investment purposes, then one of our professional advisers will be able to guide you through the process and ensure you have the most suitable product for your needs.
As part of the GoTo Group, we can also offer services for surveys and conveyancing.
Lenders you can’t reach directly. A good number of lenders will only take applications through an adviser, and many of the products they offer are never advertised on the high street or shown on a comparison site. Because we work across the whole of the market, we can set those alongside the names you already know and recommend the one that properly suits your circumstances.
A realistic figure for what you can borrow. An online calculator will multiply your salary and give you a number in seconds, but it knows nothing of your outgoings, your bonus or overtime, or the way a particular lender chooses to treat each of them. We check your figures against the criteria lenders actually apply, so that the budget you take with you to viewings is one a lender is prepared to stand behind.
Fewer marks on your credit file. Every full mortgage application is recorded on your credit file, whether it is approved or declined, and several of them in a short space of time can make the next lender more cautious. We take the trouble to match you with a lender whose criteria you meet before anything is submitted, which keeps unnecessary applications to a minimum.
We’ll guide you through the whole process and advise on the different products, your maximum borrowing and monthly costs. With access to mortgages from the whole of the market and established links with solicitors and surveyors.
We’ll check the options open to you including moving your existing mortgage and advise on the right course of action.
When your existing product expires, we’ll research the market to find you a suitable new product.
Having created large portfolios for our clients and been active in the market for many years, we’re well placed to advise on your property investment and strategy.
Whether you are a sole trader, a company director or a contractor, lenders have very different ways of working out what you earn, and we know which of them are likely to take a fair and sensible view of your income.
Some forms of Buy to Let Mortgages and Conveyancing are not regulated by the Financial Conduct Authority
Ignoring this essential cover could put your home/family at risk. We can advise on the different types of policies and the most suitable insurer.
Maintain your lifestyle and keep the roof over your heads should you be unable to work through accident or sickness for any lengthy period of time.
Your lender will need your home to be insured. Protecting your contents at the same time makes good sense.
For most people the “How much?!?” moment arrives in a letter from their lender, setting out what the monthly payment will become once the fixed rate comes to an end.
If your own deal finishes within the next six months, we can look at what is available to you now and have a new mortgage ready in good time, so that you are not simply moved onto your lender’s standard variable rate when the day comes.
You will not find a call centre here, and you will not be passed from one department to another. You will have one named adviser who knows your case thoroughly, who answers the telephone when you ring and who stays with you until the day your mortgage completes.
My goal is always to remove uncertainty and guide clients smoothly through their home-buying journey.
Your bank is only able to offer you its own mortgages, which may or may not be the most suitable ones for someone in your position. A whole-of-market broker can set your bank’s best offer against everything else that is available, including products from lenders who do not deal with the public directly, and then explain which of them suits you and why.
It means that we are not tied to any one lender, nor restricted to a small panel of them. We are free to search across the mortgage market on your behalf, including those lenders who will only accept business through a broker.
In many cases we can. A refusal from one lender usually tells you more about that lender’s rules than about your chances elsewhere, so we begin by finding out why it happened and then approach the lenders whose criteria are a better fit for you.
Yes, it certainly is. Some lenders take a far more flexible view of past credit problems than others, and it is much better to find out where you stand in a conversation with us than by way of a declined application.
In most cases there are lenders who will, although they are not always the ones you would think of first. Each lender has its own way of assessing income and deposits, and knowing which of them is likely to suit your situation is a large part of what we do for our clients.
No, speaking to us has no effect whatsoever on your credit file. We will always tell you beforehand if a lender intends to carry out a check of any kind, and explain what it involves.
Your first call takes about 30 minutes. After that we will ask you for proof of identity, proof of income and your recent bank statements, and in most cases a mortgage offer follows within two to six weeks of the application being submitted.
Yes, we are. Mortgages To Go Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority under firm number 784201.
What happens in the first meeting
Every mortgage starts with a conversation. We’ll get to know your situation, compare whole-of-market options as we talk, and send everything in writing, including the costs to expect.
Why use a broker?
A broker does the hard work for you. Access to every lender, not just the high street, the qualifications to advise, and someone handling the paperwork so your application moves through as fast as possible.
These will give you a sense of the numbers – what you might borrow, what the repayments could look like, and what the upfront costs add up to. What they can’t tell you is what’s actually right for you. That takes a conversation. Book an appointment and we’ll go through it properly.
Estimate your monthly repayments based on the loan amount, interest rate and term. A starting point for understanding what might be affordable.
Please note: This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Quickly calculate how much Stamp Duty Land Tax (SDLT) you may need to pay when purchasing a property in England, including rates for first-time buyers and additional properties.
| From | To | Rate | Tax Due |
|---|---|---|---|
| There's no stamp duty to pay on this property. | |||
| First-time buyer relief only applies to homes up to £500,000, so the standard rates apply. | |||
| Total | |||
Get a clearer overview of the potential costs involved in buying a property, including deposits, legal fees, surveys & more. Input your projected values to get started!
| Expense Type | Cost |
|---|---|
| Deposit | £ |
| Stamp duty | £ |
| Survey fees | £ |
| Legal fees | £ |
| Mortgage fees | £ |
| Valuation fees | £ |
| Removals | £ |
| Insurance | £ |
| Repairs & Improvements Estimates | £ |
| Ongoing costs | £ |
| Council tax | £ |
| Utility bills | £ |
| TOTAL | £ 0.00 |
See what paying a little extra each month could save you. Overpaying reduces the balance interest is charged on, so every pound paid early saves interest for every remaining year – and can take years off the term.
Please note: Most lenders allow up to 10% of the balance each year without penalty. Some don’t, and early repayment charges can apply, so it’s worth checking before you start.
This calculator provides an illustration only and is not mortgage advice. It assumes your interest rate remains unchanged and that the same monthly overpayment is made throughout the mortgage term. Your mortgage may have limits or charges for overpayments. Please check the terms of your mortgage before making additional payments.
We take the stress out of searching by comparing a wide range of mortgage options on your behalf. Drawing from an extensive panel of mainstream banks, building societies, and trusted lenders, we carefully assess which products are best suited to your needs and circumstances.
Rather than limiting you to a handful of options, we explore the broader market to find competitive rates, flexible terms, and reliable providers. Our goal is simple: to match you with the right mortgage, not just any mortgage – so you can move forward with confidence.
“Thank you for all the work you did for me in getting the mortgage over the line as well as the insurances etc especially in such a difficult time.”
M Jones
“Alan was uber professional, helpful and friendly. I would highly recommend his services to others.”
D Grindlay
“I know much is been down to your advice and support. I really want to thank you and working with you is invaluable to me in my property journey.”
H Sakyi
Our initial discussion only takes about 30 minutes. We conduct the majority of our business by phone and email.
Mortgages To Go Ltd is an Appointed Representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority, details of which can be found under FCN:784201
Your home may be repossessed if you do not keep up repayments on your mortgage. The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK. Some forms of Buy to Let Mortgages and Conveyancing are not regulated by the Financial Conduct Authority.
A fee up to £987 is payable upon application for our service in relation to mortgage contracts. This will depend on the type of case it is and how much work is involved. The actual fee will be disclosed on our fee agreement. This fee will be payable on application.
Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
Mortgages To Go is a Limited Company registered in England and Wales, registration number: 10764280; registered office: The Hall Barn, Church Lane, Lewknor, Oxon OX49 5TP.
© 2026 Mortgages TOGO. Built by Blayney
Mortgages To Go is a Limited Company registered in England and Wales. Registration Number: 10764280
Registered Office:
The Hall Barn
Church Lane, Lewknor
Oxon OX49 5TP
