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As independent mortgage brokers, we have access to a full range of products from a comprehensive range of mortgage providers. Here are some of the mortgages that we offer in Carlisle, Penrith and the rest of Cumbria.

First Time Buyer

Lashings of helpful advice to explain the mortgage process. Find out quickly how much you may borrow, and how much it may cost. Obtain a mortgage promise (estate agents may want to see this). Process your mortgage application faster and with less hassle. We can also arrange house insurance and mortgage protection insurance.

Home Mover

Save time and money by making the right mortgage choice. We will review your existing mortgage arrangements, guide you through the options available to help source a suitable mortgage for you. Our mortgage software can analyse over 9,000 mortgage products! We understand lenders criteria and have access to mortgage underwriters. Maximum choice with minimum stress.


We can source "fees free" mortgages where the lender will charge no arrangement fee, pay your legal costs, and offer a free valuation. Using our mortgaging sourcing software, we can find you the best rates applicable to your circumstances. Borrow extra for home improvements, debt consolidation, or other purposes.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Poor Credit mortgages

We have helped many with defaults, CCJ's, mortgage arrears, IVA's, and ex bankrupt to get a mortgage. Access to many specialist adverse mortgage lenders as well as mainstream lenders who do not credit score but will look at your individual circumstances.

Buy to Let

Considerable changes have been imposed upon Buy to Let Landlords in recent times making it potentially more difficult to obtain a Buy to Let mortgage. Whether you want to buy or remortgage we can help source a suitable deal.

Equity Release

Release money from your home to pay for home improvements, new car, improve lifestyle, pay off debts, or repay an "interest only" mortgage, without the requirement to make monthly payments. Must be 55 or over. Not dependent on your income. Equity release may not be suitable for everyone. Releasing capital from your property will reduce the amount of inheritance that can be kept and may impact the receipt of any means-tested benefits. Find out more about Equity Release

Complex Mortgages

Complex income such as Contractors, Self Employed, Company Directors, zero hour contracts, in probationary period, benefits income, multiple income sources etc. Complex circumstances such as multiple properties, divorce or separation, turned down by other lenders, HMO's, joint borrowers but single owner, later life lending.

Make An Enquiry

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