First-Time Buyers
Your first home, made clearer.
Understanding your deposit, borrowing capacity, Loan-to-Value and the costs involved is an important part of preparing for your purchase.
Explore First-Time Buyers →Collins Heritage Mortgages
Expert Mortgage Advice Tailored To Your Journey
Residential mortgage advice, personally tailored to you — from your first conversation through to completion.
Collins Heritage Mortgages
Residential Mortgage Advice, Personally Tailored to You
Buying a home is one of the biggest financial decisions you are likely to make. Whether you are taking your first step onto the property ladder, moving to your next home, reviewing your existing mortgage or arranging a mortgage as a self-employed applicant, the right advice can make the process clearer and more manageable.
At Collins Heritage Mortgages, we provide professional residential mortgage advice with a personal approach. We take the time to understand your circumstances, your plans and what you want to achieve, before helping you explore the mortgage options available to you.
From your first conversation through to completion, our aim is to make the mortgage journey straightforward, professional and well managed.
Residential Mortgage Services
How We Can Help
Home Movers
Moving forward with confidence.
We can help you understand your mortgage options and consider whether your existing mortgage may be portable or whether a new arrangement may be appropriate.
Explore Home Movers →Remortgages
Review your mortgage. Understand your options.
Whether you are considering a new mortgage product, a product transfer or additional borrowing, we can help you understand the options available.
Explore Remortgages →Self-Employed
Advice that understands how you earn.
Sole traders, company directors and shareholders can all have different circumstances and documentation requirements.
Explore Self-Employed →A Personal Approach to Mortgage Advice
Clear Advice. Professional Service. Personal Attention.
We believe mortgage advice should be about more than simply arranging a mortgage. Every client has different circumstances, priorities and plans.
Our approach is centred around understanding your individual position and explaining the process clearly, so that you can make informed decisions about your mortgage.
Clear
Mortgages can involve unfamiliar terminology and complex decisions. We explain the important details in straightforward language.
Personal
Your circumstances are unique. We take the time to understand your situation rather than treating every application in the same way.
Professional
From the initial consultation through to completion, we aim to provide a carefully managed and professional service.
Committed
A mortgage is an important financial commitment. Our aim is to support you throughout the process and keep you informed.
Your Mortgage Journey
From Your First Conversation to Completion
- 01
Initial Consultation
We begin by understanding your circumstances, your plans and what you are looking to achieve.
- 02
Explore Your Options
We consider the mortgage options available based on your individual circumstances and explain the key considerations.
- 03
Mortgage Application
Once you are ready to proceed, we guide you through the application process and the documentation required.
- 04
Mortgage Offer
The lender assesses your application and, where approved, issues a formal mortgage offer.
- 05
Completion
The final stages of your property transaction progress towards completion, allowing your new mortgage to be put in place.
Throughout the process, we aim to keep you informed and make sure you understand what is happening at each important stage.
Why Choose Collins Heritage Mortgages?
Mortgage Advice Built Around You
Choosing a mortgage is about more than comparing interest rates. The right mortgage also needs to fit your circumstances, your financial position and your plans.
We believe that good advice starts with listening.
A Straightforward Service
We aim to remove unnecessary complexity and explain the mortgage process clearly.
Individual Attention
We provide a personal service built around your circumstances and your property plans.
Clear Communication
You can expect to be kept informed as your mortgage application progresses.
Professional Guidance
We guide you through the key stages of the mortgage process and help you understand the decisions involved.
Let's Talk About Your Mortgage
Whether you are buying your first home, moving property, reviewing your existing mortgage or applying as a self-employed applicant, the best place to begin is with a conversation.
Important Information
Mortgage availability and the terms offered will depend on your individual circumstances and the criteria of the relevant lender.
All mortgage applications are subject to the lender's affordability assessment, lending criteria, underwriting and, where applicable, a satisfactory property valuation.
Mortgage products, interest rates, fees and lending criteria can change. An initial discussion or Agreement in Principle does not guarantee that a mortgage will ultimately be approved.
Before entering into a mortgage, it is important to consider the overall commitment involved, including the interest rate, monthly payments, mortgage term, fees and any Early Repayment Charges that may apply.
Your home may be repossessed if you do not keep up repayments on your mortgage.