For Anyone Planning Their Next Move

Independent mortgage advice, tailored to you.

From straightforward purchases to complex income structures, we provide strategic, whole-of-market advice built entirely around your goals.

Speak to an Adviser Explore Mortgages

Aimee Garraway, Independent Mortgage Adviser

How It Works

A clear path from first chat to the keys in your hand.

Initial Consultation

We discuss your objectives, financial position, and future plans, so we understand exactly what you want to achieve.

Research & Recommendation

We analyse the market and present the most suitable options for your circumstances, explaining the key considerations clearly.

Application & Liaison

We manage the full application, liaise with the lender and all parties, and keep everything progressing smoothly.

Completion & Support

We guide you through to completion and stay available for future reviews, remortgages, and changing circumstances.

20+

Years of experience

Unlock your next move with a tailored solution.

We simplify complex financial decisions by combining experienced, whole-of-market advice with a streamlined digital experience, so you can move forward with confidence.

Who We Are

Relationship-driven experts.

We provide clear, strategic mortgage and protection advice for individuals, families, and professionals at every stage of life.

We use a secure client portal and digital fact-find system to make sharing information and documentation simple, secure, and efficient.

Whether you're buying your first home, moving, remortgaging, investing, or navigating variable or complex income, we take the time to understand your full financial picture and recommend solutions that genuinely fit.

You can expect straightforward communication, meticulous attention to detail, and a service built around trust, transparency, and long-term relationships.

Book a Consultation

Client Satisfaction100%

Tailored Solutions90%

Trusted Customer Support95%

Why Choose Us

Move forward with your mortgage, confidently.

Personalised Service

You'll work with a dedicated adviser who takes time to understand your circumstances and objectives — never a one-size-fits-all solution.

Simplifying Mortgages

We explain your options clearly, cut through the jargon, and help you make informed decisions with confidence.

Independent & Unbiased

As a whole-of-market adviser, we access an unlimited number of lenders to find the most suitable solution, based solely on your needs.

A Smooth, Managed Process

From initial consultation through to completion, we manage the process, handle the paperwork, and keep everything moving efficiently.

Accessible When You Need Us

We offer flexible appointments and responsive communication, making it easy to get the support you need, when you need it.

Ongoing Support

Our relationship doesn't end at completion. We're here for future reviews, remortgages, protection updates, and life changes.

Your Mortgage Journey

Your mortgage journey starts here.

Whether you're a first-time buyer, moving home, remortgaging, or exploring your next steps, we guide you with clear, independent advice and personalised support.

Personalised recommendations built around your needs
Clear guidance from enquiry to completion
Access to an unlimited number of lenders
Secure, efficient digital process

Ready when you are.

Buying or reviewing a mortgage doesn't need to feel complicated. We take the time to understand your circumstances and recommend solutions that fit your goals.

Book a Consultation

What We Offer

Clear, reliable mortgage & protection solutions.

Whether you're buying, remortgaging, or arranging protection, we provide straightforward advice and tailored support to help you make confident decisions.

Mortgages

Whole-of-market mortgage advice

Independent advice designed around your circumstances and goals — first-time buyer, moving home, remortgaging, or investing. We guide you through your options and manage the process from start to finish.

Tailored recommendations based on your needs
Clear explanations in plain English
End-to-end support from enquiry to completion
Access to a broad range of lenders

Learn More

Protection

Safeguard what matters most

Protecting your family, income, and lifestyle is an important part of your financial plan. We offer clear, personalised advice on a range of protection solutions for if the unexpected happens.

Life Insurance
Critical Illness Cover
Income Protection

Learn More

Testimonials

What others are saying.

“

★★★★★

Aimee was incredibly supportive throughout the whole process, always keeping us updated and making everything feel less stressful. Thanks to her hard work, we ended up with a great mortgage deal we're really happy with. You'll be in very safe hands.

Edward Sims

“

★★★★★

Aimee made sure we got the best rate available. Even after our initial quote she kept updating us with lower rates. We appreciated that the most — it showed that she genuinely cares.

Seb Toscano

“

★★★★★

You're going to get the best and most friendly service from Aimee. She used her many years of experience to coach us through every step and secured us the best possible rates. She was the bright spot in our home-buying journey.

Claire Minshull

FAQs

Frequently asked questions.

How much deposit do I need to buy a home?

Most lenders require a minimum deposit of 5%, although a larger deposit (such as 10–20%) can give you access to a wider range of lenders and more competitive rates. We'll review your circumstances and help you understand what options are realistically available.

How much can I borrow?

Borrowing is based on your income, outgoings, existing commitments, and credit profile. Lenders typically use income multiples alongside affordability assessments. We carry out a detailed review to provide an accurate, reliable borrowing figure before you start your search.

What types of mortgages are available?

Common mortgage types include fixed-rate, tracker, variable, discount, and offset mortgages. Each works differently and suits different circumstances. We'll explain the pros and cons of each and recommend the most appropriate option for you.

How do interest rates affect my payments?

If you're on a fixed-rate mortgage, your payments stay the same for the fixed period regardless of market changes. On a tracker or variable rate, your payments can move in line with interest rates. We'll help you choose a product that offers the right balance of stability and flexibility for your plans.

How do lenders view bonus, commission, or variable income?

Many lenders will consider variable income, often based on an average over a set period, though requirements vary by lender. We'll assess your income structure and identify lenders most likely to accept it.

Can I get a mortgage if I earn RSUs or equity-based income?

Yes, in many cases. Some lenders consider RSUs, bonuses, and equity-based income as part of affordability, subject to criteria. We'll review how your income is structured — including your vesting schedule and supporting documentation — then identify lenders most likely to accept it.

Should I go direct to a lender or use a broker?

Using a broker gives you access to a wide range of lenders, not just one bank's options. We compare rates, lending criteria, and affordability models — which vary significantly — to identify lenders best suited to your circumstances, then manage the application from start to finish.

How does being self-employed affect my application?

Being self-employed doesn't prevent you from getting a mortgage, but lenders assess income differently. Most require one to two years of accounts or tax returns, and calculations vary between lenders. We review your accounts carefully and identify lenders whose criteria best align with your circumstances.

Let's Talk

Your next move starts with a conversation.

Book an initial consultation and let's find the solution that genuinely fits your goals.

Speak to an Adviser