Moving home is one of life’s most exciting milestones, but with chains to manage and timelines to juggle, it can quickly feel overwhelming. That’s where we come in. Whether you’re upsizing for more space or downsizing for a simpler life, we’ll handle the mortgage side of things so you can focus on the exciting new chapter ahead.
We’re proud to officially be the number one mortgage advisor in Somerset and the South West for customer service, as well as the second best in the entire UK! Fingers crossed for one better next year 🤞
With access to more than 28,000 mortgage products from over 100 different lenders, we’ll be able to secure you an interest rate that keeps the most money possible where it belongs: in your pocket! 💷
We’ll support you with as much of the home buying process as we can by handling paperwork, recommending and dealing with solicitors, and even negotiating with estate agents on your behalf. 🏠
Because we always have your best interests at heart, you need to know that your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Whether your credit score is on the lower side, you’ve recently changed jobs or gone self-employed, you’re eyeing up a non-standard property, or navigating a divorce, we’re here to find a way forward. With access to over 100 lenders, our advisors will leave no stone left unturned, so if we can’t find a solution, then it simply doesn’t exist.
A quick conversation with one of our advisors is all it takes to understand your options. There’s no obligation, no initial cost, nor any jargon, just straightforward advice tailored to your situation.
If you’ve already got your eye on your next home, click the link below to find an estimate of your mortgage affordability. By entering a few details, our affordability calculator can search through a pool of lenders to give you access to your own mortgage passport, which you can download as proof of your affordability for estate agents.
Absolutely amazing service from start to finish. They replied to every message so quickly and made the whole experience feel really personal. I originally found the whole process of getting a mortgage intimidating, but they made everything so easy to understand. Right up to the day of the sale, we received weekly email updates, which was incredibly reassuring. Truly outstanding service.
Adele Sanford
Home Mover
Louis goes above and beyond. He’s polite, patient and explain things clearly and concise. He provides reassurance, especially when you’re new to the process. He’s flexible and has worked around family to support meetings at times that suit us. Louis has helped us more than anyone else in our moving house journey and I could not recommend him enough! Thank you so much for all your support.
Molli Jones
Home Mover
The levels were professional, responsive and I trusted them completely to guide me to make the best decision for myself. I will highly recommend them to anyone looking for help with a mortgage. I cannot praise Luke enough, he was friendly, excellent at communicating and made me feel at ease throughout the whole experience. Luke was always at the end of the phone and the Teams calls we had felt relaxed, productive and informative.
Kate New
Home Mover
I had a great experience working with Luke at Levels Financial. He was knowledgeable, professional, and always took the time to explain things clearly. The process was smooth and efficient, and I always felt confident I was in good hands. Luke was responsive and easy to communicate with, making the experience much less stressful. I’d definitely recommend him to anyone looking for reliable mortgage support.
Martyn Richards
Home Mover
Being an older borrower, I knew getting an affordable mortgage might be challenging. But Levels Financial really went all out to make it happen. Charlie Cooke tackled every hurdle with determination and found me a great, affordable deal that fits my needs. Highly recommend their dedication and expertise.
Patricia Burtenshaw
Home Mover
Everyone wants to know they’re getting the best deal, right? Well, with our network of over 100 lenders and access to more than 28,000 mortgage products, we’re perfectly placed to find it. That means more money staying exactly where it belongs: in your pocket.
However, securing you a great rate now is just the start of our job. We’ll constantly monitor your mortgage throughout your entire fixed term and alert you the moment a better deal becomes available. That means that where others might end up paying more, you’ll be saving money long into the future.
We don’t hire brokers based on how much they can earn us. They’re chosen because they genuinely understand the stress people can experience when making financial decisions and want to do everything in their power to take that stress off your shoulders.
It’s obviously easy for us to just say that but fortunately we can also prove it. Last year we were officially named the best mortgage broker in the South West for customer service and second best in the whole of the UK. And these aren’t awards handed out by stuffy judges picking their favourites, they’re decided entirely by rigorously verified reviews from real people who have used our services.
Book a free, no obligation consultation with one of our mortgage advisors to talk through your options. We know that life gets busy so as well as standard working hours, we’re also available for evening and weekend appointments.
It always helps to know what to expect before you take the next step. So, with that being said, here’s exactly what to expect when securing a mortgage with us…
We’ll kick things off by introducing ourselves and walking you through exactly how we work and what you can expect from us during your home moving journey. Then the focus shifts to you: your situation, your goals, and what you’re looking to achieve. From there, we’ll lay out a clear and honest picture of what it’ll take to make it happen.
This is where everything start to take shape.
After a few days, we’ll be ready to come back to you with a clear, tailored plan, covering exactly how much you can borrow, the rates and monthly payments you can expect, and a full breakdown of any additional costs involved.
With your Mortgage in Principle in hand, you’ll now be ready to start viewing properties and making offers with complete confidence.
Once you’ve found your dream home and agreed a sale price, we’ll reconnect to finalise everything. We’ll revisit the numbers, make any necessary adjustments, and move forward with your full mortgage application.
We’ll also make sure you have a suitable solicitor in place and start looking at setting all the right insurances up.
Once your application is submitted, we don’t just step back and wait. We stay in close contact, track everything that needs to happen, and keep you updated every step of the way right up until the keys to your new home are in your hands.
Our job doesn’t end the moment you get the keys and finally sink into that new sofa with a well-earned takeaway and glass of prosecco in hand.
We’ll constantly monitor your mortgage and let you know if a better deal becomes available that will save you money. If you have any questions about your mortgage, we’ll always be just a call away.
Moving home typically takes 3 to 6 months from starting your search to completion, with the process from offer acceptance to move day averaging 8 to 15 weeks. A straightforward move can take 6-8 weeks, while complex chains can sometimes take over 6 months.
Mortgage broadly split into two categories: repayment, where you gradually pay off the loan and interest each month, and interest-only, where you just cover the interest. Within those, you’ll choose a deal type; the most common being fixed rate, where your payments stay the same for a fixed period (usually 2 or 5 years), or tracker/variable rate where they can go up or down.
There’s no single magic number as every lender has different criteria, and your credit score is just one piece of the puzzle. The good news is that a less-than-perfect score doesn’t necessarily mean you won’t be able to secure a mortgage. If you would like to check your score, you can do so for free by clicking here.
Yes, being self-employed doesn’t stop you from getting a mortgage, though it can make the process a little more complex. Most (but not all) lenders will want to see two to three years of account or tax returns to verify your income, and some are more flexible than others when it comes to how that income is calculated.
Yes; however, it depends on your circumstances. Lenders prefer to see a stable employment history, and some will want you to have passed your probationary period before they’ll consider your application. Changing jobs within the same industry is generally viewed more favourably, and those on permanent contracts will typically find it easier than those in temporary roles.
Still have questions?
Reach out to us anytime for assistance.
Your credit score can change without you even realising, so it’s worth checking it as early as possible. Check yours for free via the link below. *The Levels Financial will receive a £12 referral fee from CheckmyFile when you sign up for the free trial.
Moving home often brings big life changes, so it’s important to make sure your protection fits your new circumstances. Our specialist team will review yours free of charge to ensure you’ll be okay should something unfortunate occur.
