Expert Mortgage Advice and all your Home Buying Services

Your Trusted Local Partner for Whole-of-Market Property Finance. With Branches in Rugby, Manchester and Wales.

5 Rating from 33 Reviews

Our Mortgage Services

Residential Mortgages

Navigate the property market with uncompromised clarity. Whether you are stepping onto the ladder for the first time, relocating, or securing a better rate on your current home, we align your exact needs with the most competitive, whole-of-market funding available.

Buy to Let Mortgages

Strategic debt architecture designed for aggressive portfolio growth. From individual property investments to complex limited company structures, we optimise your leverage and maximise your rental yields through specialist underwriting.

Adverse Mortgages

Complex credit histories require expert navigation, not instant rejection. We bypass the rigid algorithms of high-street banks to source viable, specialist funding lines for clients who fall outside standard lending profiles.

Foreign Nationals Mortgages

Seamless UK property acquisition for international clients and expatriates. We bridge the gap between complex global income structures and specialised domestic lenders, providing a streamlined path to securing your UK real estate assets.

Why Choose an Expert Mortgage Broker?

Finding the right property finance can be incredibly overwhelming. Therefore, partnering with an expert mortgage broker is essential to unlocking the most cost-effective rates available across the whole of the market. Our specialists seamlessly guide you through every stage of the application process.

A happy family and child running towards their new house symbolising a successful residential mortgage completion in rugby

Our Comprehensive Residential Mortgage Services

Buying a home is undeniably one of the key milestones in life, and there is nothing more thrilling than moving into your dream property. Consequently, whether you are a first-time buyer taking those tentative first steps on the property ladder, an existing homeowner needing more space, or simply looking to remortgage, it is highly likely you will need professional guidance to achieve your aim.

As dedicated brokers, we can source the entire range of products available across the industry. Furthermore, we ensure you meet the exact criteria of a lender by thoroughly assessing your unique circumstances first. This proactive approach potentially saves you a massive amount of wasted time and money.

  • First Time Buyer Assistance

  • Home Mover Options

  • Remortgage Solutions

Buy to Let Mortgages

For many individuals, concerns over future stock market performance and current low savings rates mean purchasing a buy-to-let property can be a highly lucrative investment option.

However, navigating lender criteria requires an expert mortgage broker who understands how fluctuating rental yields affect your borrowing capacity. Typically, the amount available for you to borrow will be based predominantly on the consistent rental income that the property can successfully achieve.

Strategic Investment Options Available

  • Interest-Only Options

  • Up to 80% Loan-to-Value (LTV)

  • 2, 3, & 5-Year Fixed Rates

A professional view of a residential house representing profitable buy to let investment opportunities in rugby

Adverse Credit Mortgages

We strongly believe that using a specialist property finance broker is necessary for complex scenarios. When your financial history is less than perfect, it results in a much better customer journey if your product is procured professionally.

 

At LPR Mortgage Services, we work alongside a carefully selected panel of specialist lenders to ensure our clients still secure competitive rates, even with prior adverse credit.

Foreign Nationals Mortgages

Providing foreign nationals and returning expats with an innovative lending proposition is one of our primary specialties. If you are on a visa with a clear route to permanent residency, you can confidently live and work in the UK while securing a property.

Diverse Visa Eligibility Types

Our eligibility parameters cover standard “Know Your Client” fraud and sanction checks. In addition, we actively accept a wide variety of applicant profiles, including:

  • Global Talent & Pre-settlement Visas

  • UK Ancestry & British National Overseas (BNO)

  • Health & Care Workers or Skilled Workers

  • Tier 2 Visas (if granted before 1st Dec 2020)

  • Dependant Visas (for joint applicants, which may include joint income)

Six Unique Criteria Benefits

  1. Zero minimum residency time required in the UK.

  2. No complex minimum visa requirements to block your progress.

  3. Up to 90% Loan to Value choices for qualified borrowers.

  4. No restrictive minimum income brackets.

  5. No UK credit history? That is absolutely no problem for our team.

  6. Generous builders’ incentives available up to 5%.

Comprehensive Protection Services

Life is ultimately what happens to you when you’re busy making other plans. Consequently, while no one truly knows what the future may hold, we can help you plan to protect your hard-earned income, your mortgage, and your family if something unexpected happens.

Secure Peace of Mind: For your FREE protection consultation, please call us directly at 07568 091968.

Our philosophy

We listen to the needs of our clients and offer impartial and unbiased advice based on their requirements and circumstances.

We provide a bespoke financial solution designed to help meet the needs of our clients both now and in the future.

We endeavour to make advice documentation clear, easy to understand and ‘jargon free.’

We establish and agree a mortgage review programme to address future needs.

4.9/5

rating from 450+ reviews

Vouched for