Mortgage and Finance

  • Contact us for a no obligation review

house mortgage

We could help find the best mortgage deal for you!

Purchasing your first house is not merely just a case of buying bricks and mortar – it’s also a statement that you are ready to make a mature financial commitment towards your future and make a home for yourself or your family.

» Read More

But how can you achieve this? Buying your first property can be a veritable minefield so it’s essential that you go into the process with as much information as possible.

» Show Less


How much deposit will you need and is it affordable?

As a general guide, a deposit of between 5% and 20% is needed to secure your house purchase. The deposit amount needed can vary so it’s important that you’re fully of aware of how much you need to save from the outset.

» Read More

Another factor that needs to be considered is the affordability: are you prepared for the ongoing monthly costs that a mortgage and its associated facets will bring? (e.g Solicitor’s fees, Buildings insurance, furnishing and decorating costs). Planning for these early and including them in your financial calculations can help you determine whether your dream move is feasible.

» Show Less

magnifying glass

Finding a mortgage

Once you’re confident that you can cover the costs, you need to secure a mortgage for the property. There are a multitude of different providers, terms and types of mortgages available so it’s imperative you choose the one that’s best for you.

» Read More

CHN have experienced Mortgage Consultants ready to guide you through some of the more complex minutiae of the application process.

Lenders will want to know that you are able to keep up repayments on the mortgage even if circumstances (such as interest rates or your income) change. This can mean providing payslips and bank statements to demonstrate your capacity to re-pay. Self-employed applicants may have to provide tax returns and business accounts prepared by Accountants.

» Show Less


What can you do if you’re struggling to get a mortgage?

It may be possible to apply for a guarantor mortgage – this means a parent, guardian or close relative effectively “guarantees” the repayments if you are unable to meet them.

» Read More

It is vital that you understand the implications of such an arrangement as it is legally binding on both parties. However, not all lenders offer this facility so it’s important to check.

If you need further advice on mortgages, CHN would be delighted to help you. Use our simple contact form to arrange an initial NO OBLIGATION appointment today!

» Show Less


Your home may be repossessed if you do not keep up repayments with your mortgage.

Contact Us

“Clayton Holmes Naisbitt have always put our interests first by giving both of us sound, clear advice with no obligation to buy into services they recommend. All our questions are answered with clarity which is important in the financial world where attention to detail is vital. We would not hesitate to recommend them to anyone looking for sound financial advice.”

– Stasha & Peter

“Following the sudden death of my husband, Lee provided an exemplary service by managing my finances throughout that very difficult time. He has subsequently provided me with excellent advice on investments, explaining them to me in a simplified easy to understand way. I will gladly recommend him to friends, family and colleagues.”

– Nick Fozzard

“Just want to say how grateful we are (to Daniel Lees) for the help and advice you’ve given us over the past few months and for helping us to get our mortgage application through and approved; it’s been a massive help to us as first time buyers to have been able to rely on your knowledge and expertise and have been really pleased with the service we’ve received.”

– Michael & Sophie

Clayton Holmes Naisbitt