Mortgages

Residential Mortgages

How can we help?

At Quanstrom Financial, we understand that finding the right mortgage is a vital part of making your house move a reality.

We are here to guide you through the process, ensuring you secure the perfect residential mortgage to suit your needs, whether you're a first-time-buyer, home mover or remortgaging. We are based in Eastbourne, East Sussex, but can help with your mortgage needs wherever you decide to buy.

Get in touch

Reach out for a free, no obligation chat about your mortgage.

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What you need to know

Residential mortgages, explained

Deposit: typically from 5% of the property value, although lenders are available with a deposit as low as 0% of the property value. The deposit and rate you're offered will depend on your circumstances and the lender.

How much you could borrow: lenders offer between 4 times and 7 times your income, depending on your individual situation.

Mortgage term: typically between 5 and 40 years, depending on your age, income and the lender.

Fixed vs tracker: a fixed rate keeps your payments the same for an agreed period, while a tracker moves with the Bank of England base rate. We'll help you weigh up which suits you.

Estimate your monthly repayments

Loan amount (£)

250000

Interest rate (%)

5.5

Term (years)

Estimated monthly payment

£0

Figures are illustrative only and don't constitute a mortgage offer or personalised advice.

Speak to an adviser

Common questions

Frequently asked questions

How much deposit do I need?

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Most residential mortgages ask for a deposit of at least 5%, though 0% deposit mortgages are available with some lenders, subject to eligibility. The exact amount and the rate you're offered depends on your circumstances and the lender.

How much could I borrow?

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Lenders can lend from 4.5 times to 7 times your income, subject to your individual circumstances. Use the calculator above for an estimate, or get in touch for a figure tailored to you.

Do you charge a fee for mortgage advice?

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Our fees vary depending on your circumstances. Get in touch and we'll explain any costs clearly before you proceed.

How long does the mortgage process take?

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It varies by lender and circumstances, but once you've submitted a full application, most mortgage offers are issued within a few weeks. We'll keep you updated throughout.

Can you help if I'm self-employed or have a less straightforward income?

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Yes. We work with lenders who understand self-employed, contract and variable income.

Read our self-employed mortgage guide

Do you have experience arranging mortgages for specific professions?

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Yes - we regularly help clients in professions with less straightforward income, including NHS staff, teachers, dentists and airline staff, understand how lenders will assess their earnings.

Read our guide to NHS mortgages

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