residential mortgage

Whether you are moving home or looking to change mortgage providers, Affinity Mortgages will work with you to gain a full understanding of your circumstances and select the right residential mortgage for you.

Residential mortgage

apply for a residential mortgage.

At Affinity, we recognise that different people take different approaches. If you prefer to dot your own ‘I’s and cross your own ‘T’s, feel free to submit your own application here. Or, if you’d prefer to let us look after your residential mortgage application, click 'get started' to share your details and we'll give you a call.

apply now

If filling out forms is not your thing, give us your info, put your feet up and let us get to work…

residential mortgage application quick guide

Door knob
Blank sign post
residential mortgage checklist
Make sure you can assemble all of the necessary personal and financial paperwork you might need for a residential mortgage.
choose a residential mortgage product
There are a number of different types of residential mortgages out there – pick the one that suits you – we’re here to advise you if you need help.
look at affordability
Have a long hard look at your incomings and out goings to calculate what you can save each month towards mortgage repayments.
agreement in principle
Once we have established the right product and lender for you and made an application, we will obtain an agreement in principle from the lender, meaning you can go house-shopping knowing exactly what you will be able to spend.
find a home
It’s house-hunting time. With your budget and location requirements established, it’s up to you to find your perfect pad.

most common faqs

Do I have to pay stamp duty? How much?

The Government change stamp duty rules quite often and the best way to find out what levels of stamp duty are payable is to use the Government's Stamp duty calculator or speak to one of our advisers today.

How much can I borrow for a residential mortgage?

The big question! We recognise that this is the first thing people want to find out when they come to us. Different providers follow very different criteria, and those criteria are changing all the time, making it a tough answer to determine. That’s why it’s a good idea to contact an experienced and responsible residential mortgage broker like Affinity Mortgages to scan the current market and identify the product that will afford you the maximum spending power in the housing market. Contact one of our independent, trustworthy advisers and rest assured we will find the best solution for you.

How do lenders calculate how much I can borrow for my residential mortgage?

This varies between providers, but with Affinity’s expert knowledge of the mortgage lending market, we can target the providers that will offer you the best deal for your set of circumstances.

your question not answered here? view all faqs

affinity connect

Your teacher was wrong. You don’t have to apply yourself. If time is short, let us do what we’re good at. We’ll fill out all the forms without making any of those easy-to-make mistakes that can cause delays or even cause a residential mortgage application to be rejected.

affinity connect
complete flexibility

complete flexibility.

Nothing is set in stone, both in terms of how we approach finding the right deal for you – or the deal itself. If we can change anything up to make it more suitable to you, we’ll do it.

experienced, dynamic advisors.

When you contact us, it’s not an intelligent algorithm that’s replying to you – it’s an intelligent human. We’ll be up close and personal throughout your process. And if you’d prefer to chat to a residential mortgage broker in person, you can visit our offices in Southend, Essex.

experienced, dynamic advisors
Happy clients

happy clients make us happy.

Setting our clients on their way with the ideal financial product is what gives us the warm fuzzy feeling of a job well done. And our clients seem to appreciate it too.

have a question?

If there’s anything you’re unsure about, or if you just want to get the ball rolling, please email us – or give us a call if you want to have a word with a friendly human. Or, if you're local, why not pop in, we're based in Southend-on-Sea in Essex.

Contact us