i want the right mortgage for me

Finding the right mortgage is one of the most important financial decisions you'll make. Whether you're buying your first home, moving to a larger property, downsizing, or investing in a Buy-to-Let, the mortgage you choose will shape your financial future. At Aventur Wealth, we help you navigate the complexities of the mortgage market to find a solution that fits your circumstances, not just your budget.

Getting on the property ladder requires careful planning. You'll need to save for a deposit, understand your affordability based on your current income and expenditure, and know what help is available. Most lenders have specific First-Time Buyer products which have a minimum deposit of 5%, although 10% and 20% are more common deposit sizes which will also attract a lower interest rate. This percentage is based on the amount you are buying the property for.

The Lifetime ISA (LISA) replaced the legacy Help to Buy scheme which is now closed to new applicants. Current LISA rules allows you to save up to £4,000 a year and receive a bonus from the Government of up to 25% a year (£1,000) to help you buy your first home with a maximum value of £450,000. The Government is expected to replace the LISA in April 2028 with a new First-Time Buyer ISA however you will be allowed to keep the account and continue contributing, it just means no new subscriptions into LISAs can be made after this date.

Shared ownership is an option for those who maybe have a smaller deposit and would find it hard to afford a full mortgage payment each month. This route allows you to buy a percentage of a property and rent the rest, spreading your capital further. However there are additional costs such as rent on the property in addition to any ground rent or service charges that may be applicable. As the years go on, and affordability improves, you can buy more shares in the home, known as ‘staircasing’, which in turn will reduce your rent as you own more of the house.

Joint Borrower Sole Proprietor mortgages, sometimes called Family-Backed Mortgages or Income Booster mortgages, are becoming more and more popular to help First-Time Buyers get on the property ladder. With this route you can add additional people onto the mortgage as ‘non-owners’ which will allow you to borrow more than you would be able to on your own. By adding them as non-owners you still keep your First-Time Buyer status for Stamp Duty purposes. The Non-owner can be a family member or a friend.

We guide first-time buyers through deposit strategies, affordability assessments, and identifying schemes that work for their situation. Our whole-of-market approach means we find mortgages that recognise your circumstances.

One you have secured a mortgage deal, it doesn’t last forever. When your fixed rate ends or your circumstances change, re-mortgaging offers an opportunity to reassess your options. You may find a better rate which reduces your monthly mortgage payment, switch to a lender with superior service, or release equity from your home to help fund home improvements.

The re-mortgage process involves reviewing your existing deal, comparing new offers from multiple lenders and the products they provider, and understanding any early repayment penalties you may be liable to. Rising property values mean many homeowners can access better terms due to lower loan to value limits or release capital without increasing their monthly payments too much.

On the other hand, if rates have increased since your last deal was secured then you could be facing an increase in monthly payments. It may be that you have some savings that will help reduce your outstanding mortgage or depending on affordability increase the overall term to reduce your monthly payments.

With our knowledge and experience we help clients make informed re-mortgage decisions, comparing rates across the entire market and managing the application process from start to finish.

Investment property mortgages operate differently from your standard residential mortgage. Instead of using your personal income for affordability, lenders focus on the rental yield than can be achieved—whether the rent covers the mortgage payment and associated costs when tested against their Income Cover Ratio (ICR). This is typically 125% of the stressed mortgage payment to check there is enough disposable in the monthly rent to cover repairs, void periods and increase in rates. Tax implications are significant too; you'll pay income tax on profits after deducting mortgage interest and expenses. From April 2027 rental profits will be taxed an additional 2% than what they are at the moment which is the standard income tax rate of 20%, 40% and 45% depending on your tax rate.

Buy-to-let requires higher deposits due to increased risk, typically 20% to 25%, and stronger rental income projections. The market is increasingly regulated, with stricter affordability checks and stress-testing requirements. Venturing into the Houses of Multiple Occupation (HMOs) or Multi-Unit Blocks (MUBs) brings further regulations and legal requirements in addition to stricter lender criteria, higher interest rates and Income Cover Ratios.

Our Buy-to-Let advice addresses rental yield expectations, tax efficiency, leverage strategies, and the long-term sustainability of your investment portfolio.

Selling one property and buying another at the same time brings its own mortgage challenges. You may be able to port your existing mortgage to the new property keeping your current rate and terms as well as an option to borrow more if you are upsizing. This can be simpler and faster than re-mortgaging, but portability depends on your lender and the new property's value.

Upsizing and downsizing carry different considerations. Upsizing may require a larger loan, if porting this would be on a different interest rate than the existing mortgage being ported. Downsizing releases equity but affects your overall property strategy.

Property chains, updated affordability checks, extra borrowing needs and change in circumstances can all come into play when redeeming your current mortgage and securing a new deal with another lender for the purchase. We help you structure the move to minimise disruption and cost.

Our approach is built on understanding your situation fully. We assess your affordability, review your timeline, and clarify what matters to you—whether that's the lowest rate, flexibility, or specific product features.

We search the whole of market, comparing mortgages across all major lenders. We handle the comparison, negotiate terms where possible, and manage your application from submission through completion. We'll also advise on conveyancing, surveys, and other costs you'll face.

Throughout the process, we explain your options clearly so you can make confident decisions.