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Help with getting a mortgage

Need help with finding a mortgage lender?
Wards have it covered.

Our mortgage department, Mortgage Matters Direct, is one of the largest mortgage specialists in the UK. For you, this means exclusive access to special mortgage rates which just aren’t available on the open market. Our in-house team of mortgage experts make it their business to know about the different types of mortgages and mortgage-related protection products which are currently available. So, whatever situation in – whether you’re self-employed, a freelancer or an owner of a limited company – we’ll find the mortgage to suit you… and then help you to get it.

Help me find a mortgage

The reason we rank so highly on Trust Pilot


Wide choice of mortgages

Unlike some brokers, we offer mortgages from the whole of the intermediary market – not just certain lenders.


Exclusive rates

You’ll have access to some exclusive mortgages which simply aren’t available on the high street.


Genuine advice

We genuinely care about finding you the best mortgage – which is why we’ll never recommend a mortgage which isn’t right for you.


Reach us – however you like

Whether you’d prefer to meet us in person, speak to us on the phone or keep in touch via email – we’re here, whichever way you’d like.

How much can I borrow?

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Amount you could borrow


The salary calculator is based on Gross salary x4.5 and is an indicator of what some lenders my lend. We haven’t taken into account any current commitments they may reduce this amount. This figure should only be used as a guide, please contact us for personal and accurate advice.

Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it.

What will my mortgage cost ?

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Monthly payments


This calculator is based on a capital repayment mortgage. This figure should only be used as a guide, please contact us for personal and accurate advice.

Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it.

Types of mortgage available to you

First time buyer mortgage

With no collateral, first time buyers may need a mortgage with lower upfront costs and looser credit requirements – but don’t worry, we’ll help you find this.

Buy to let mortgage

A buy-to-let mortgage is underwritten from the property and not your income – but with our help, it needn’t be as tricky as it seems.

Self-employed mortgage

Self-employed? No problem. Whether you work as a sole trader, contractor or a company director, we’ll find the right mortgage for you.

Let-to-buy mortgage

Need to let out your old home to afford your new one? No problem. With our in-house experts involved, you’ll have things sorted in no time.


Whether its for debt consolidation or home improvements, remortgaging could be a good option for you. Speak to us to find out more.

Limited company mortgage

Taking out a mortgage as a limited company may be the more cost-effective option for you. Speak to us to find out how.

95% mortgage

Small deposit? No problem. With a 95% mortgage you can borrow up to 95% of the total cost – so your dream home might just be within your reach.

Shared ownership mortgage

Allows you to buy a share of your home – between 25% and 75% of its value – and pay rent on the remaining share. Perfect for single buyers.

Latest mortgage best buys

Fee's and Early Repayment Charges apply

Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it.

Type of mortgage

Initial rate


First time buyer

95% LTV


4.0% APRC

2 Years

Fixed until 30/06/2021
Call us on
01634 420108

5 Year Fixed Rate

Up to 75% LTV


3.4% APRC

5 years

Fixed until 30/06/2024
Call us on
01634 420108


Up to 60% LTV


3.4% APRC

5 years

Fixed until 30/04/2024
Call us on
01634 420108
Information correct as of 12/3/2019

When you're looking
For a mortgage,

What matters to you ?

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“Great Service! Jonathan was my mortgage advisor and handled my slightly complicated case beautifully and really took the time to explain every step thoroughly to this mortgage newbie”

Jemilla Farnham

“Vanessa Barfoot has helped us with three mortgages and the service has been excellent each time! Friendly and has gotten us the best deal. We will go back when our mortgage is due for renewal”

Cindy Sikkema-Bridger

“Great service from Vanessa - very professional, efficient, really helpful, and most importantly of all friendly and approachable. Thank you very much Vanessa, for all your help and support.”



Data provided on this site is supplied on the basis that we make no warranty, representation, warranties or promise not expressly set forth and disclaims fitness for a particular purpose, course of dealing, usage of trade, title and non-infringement.


Mortgage Matters Direct is a trading name of Arun Estate Agencies Ltd. Registered Office: St Leonard's House, North Street, Horsham, West Sussex RH12 1RJ.

Registered in England No.2597969. VAT No: 450-9134-61. Appointed Representative of Home In One Financial Services Ltd. which is authorised and regulated by the Financial Conduct Authority, England.

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