Business Details
24 Years
experience
Your Trusted Mortgage Brokers in Romford
At Home of Mortgages, we have dedicated ourselves to becoming leading experts in property finance since 2002. Our team specialises in finding tailored mortgage solutions for first-time buyers, experienced landlords, and portfolio investors, with particular expertise in buy-to-let and specialist finance. We pride ourselves on our whole-of-market access, enabling us to secure competitive rates across residential, commercial, and complex lending scenarios. Our advisors bring decades of combined experience navigating regulatory changes and market fluctuations, ensuring clients receive informed guidance.We demonstrate authoritativeness through our FCA authorisation and partnerships with leading lenders, while our client portal and transparent fee structure (590 average arrangement fee) underscore our commitment to trustworthiness. By maintaining deep knowledge of evolving mortgage products and portfolio management strategies, we empower clients to make confident financial decisions aligned with their property investment goals.
Services
Buy-to-let Mortgages
Portfolio Mortgages
Residential Mortgages
Remortgage Services
Specialist Finance
HMO Mortgages
Holiday Let Mortgages
Expat Mortgages
Limited Company Mortgages
Large Loan Mortgages
Details
- Year established: 2002
Highlights and features
- We offer whole-of-market access to 1000+ mortgage products
- Our team has 20+ years' experience since 2002 in property finance
- We provide tailored solutions for complex buy-to-let and portfolio mortgages
- Our FCA-authorised status ensures regulatory compliance and client protection
- We offer a secure client portal for 24/7 portfolio management access
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Buy-to-let Mortgages
Specialist buy-to-let mortgages tailored for property investors, including HMOs, holiday lets, and expat landlords. Our FCA-authorised advisors access competitive rates across 1000+ products, with expertise in portfolio structuring and tax-efficient financing. We provide ongoing portfolio reviews to optimise returns in changing interest rate environments.
Portfolio Mortgages
Dedicated portfolio mortgage solutions for landlords with four+ properties. We assess collective portfolio strength rather than individual properties, enabling higher borrowing capacity. Our team specialises in complex structuring, succession planning, and refinancing strategies to maximise investment growth and cashflow efficiency.
Residential Mortgages
Comprehensive residential mortgage services for first-time buyers and home movers. We offer competitive rates across standard and specialist products, including new builds and adverse credit scenarios. Our advisors provide clear guidance on stamp duty implications and long-term affordability planning.
Specialist Finance
Tailored financing for unique property types and borrower circumstances. This includes limited company mortgages, large loans exceeding 1M, and multi-unit freehold blocks. Our expertise handles challenging cases with innovative solutions that mainstream lenders cannot accommodate.
Mortgage Calculators
Interactive calculators to estimate borrowing capacity, monthly payments, and stamp duty costs. These tools help clients pre-assess affordability before formal applications. The calculators update in real-time with current market rates to provide accurate financial planning insights.
Questions
What mortgage options exist for portfolio landlords?
We offer portfolio mortgages assessing your entire property collection's value and rental income, enabling higher borrowing capacity with flexible terms tailored to your investment strategy.
How much can I borrow as a buy-to-let investor?
Borrowing capacity depends on rental income projections and property values, with typical loan-to-value ratios up to 80%. Our advisors assess your specific circumstances to determine realistic borrowing limits.
Do you help first-time landlords?
Yes, we guide first-time landlords through buy-to-let mortgages, explaining tax implications, deposit requirements, and selecting appropriate property types for initial investments.
Can I refinance existing properties?
We review your current portfolio to identify refinancing opportunities that may reduce interest costs, release equity, or improve cashflow through better mortgage terms.
What fees apply to mortgage arrangements?
Our standard arrangement fee is £590, though this may vary based on transaction complexity. We provide full fee transparency before proceeding with any mortgage application.
