At MHS Wealth Planning, we understand that choosing the right mortgage can feel overwhelming. With a complex market and hundreds of products available, it’s easy to get lost in the noise. That’s where we come in. As fully independent financial advisors and mortgage specialists, we offer whole-of-market mortgage advice, meaning we’re not tied to any lender and can recommend the most suitable mortgage or remortgage deal for your specific circumstances.
First-Time Buyer Mortgages
Buying your first home is a major milestone—but it can also feel daunting. We’re here to make the process simpler and less stressful. From explaining your deposit and borrowing options to helping you understand government schemes like Help to Buy or Shared Ownership, we’ll support you at every stage. Our goal is to secure a mortgage that fits both your budget now and your goals for the future.
Remortgaging
There are many reasons why you might be considering a remortgage: your current deal is coming to an end, you’re looking for a better interest rate, you want to release equity, or you’re planning home improvements. As independent mortgage brokers, we’ll search the entire market to find the most competitive remortgage deals that meet your needs. Whether you’re switching lenders, borrowing more, or restructuring your current deal, we manage the process from start to finish—so you don’t have to.
Buy-to-Let Mortgages
If you’re investing in property to rent out, you’ll need a buy-to-let mortgage. These mortgages are designed specifically for landlords and come with different lending criteria, including higher minimum deposit requirements and stricter affordability checks. We’ll help you understand whether a repayment or interest-only buy-to-let mortgage is more appropriate for your investment goals, and guide you through the application process to ensure your rental property is set up for success.
Mortgages for Over 50s
If you’re aged 50 or above, there are still plenty of mortgage options available, whether you’re looking to repay your existing mortgage, support family members financially, or release equity from your home. We offer tailored advice on a range of later life lending products, including lifetime mortgages and retirement interest-only mortgages. These can help you access funds without needing to downsize or move—freeing up capital to enjoy your retirement, make home improvements, or provide a living inheritance.
It is important to remember that your home may be repossessed if you do not keep up repayments on your mortgage.
Our commitment to you
Our advisers offer tailored financial guidance. We continuously adapt to the evolving financial scene, helping to ensure a well-rounded approach to your wealth management. We navigate legal and tax complexities to anticipate challenges and keep your financial growth on track.
We operate independently, helping to ensure every strategy is in your best interest. This freedom lets us explore a wide array of financial products and services, aligning perfectly with your financial goals. Our unbiased stance builds trust and focuses solely on your financial wellness.
We value transparency, providing clear insights into our strategies and decisions. Our fee structure is straightforward, reflecting the value we provide. We communicate diligently, ensuring you’re well-informed and confident in the financial planning process.
Our support extends beyond initial planning, providing continuous advice to navigate your financial journey. Our advisers are readily accessible for regular reviews and open communication. This support fosters long-term relationships, helping to ensure you have a reliable ally towards financial wellness.
Safeguarding your financial resources is key. Our planning builds and protects your financial strength for a secure future. We assess risks prudently, fortifying your financial protection against unforeseen adversities, helping to ensure the growth and protection of your assets.