Residential Mortgages

The mortgage market is increasingly diverse and often confusing. It can be tricky to keep up to date with the ever-changing regulation and the multitude of options available.

Whether you are buying your first home, moving to another property or remortgaging onto a new deal, you will require a residential mortgage.

We all want to repay the mortgage on our homes as fast and as efficiently as possible. Understanding how the varying products, repayment methods and the fees applied by the lenders affect this is crucial.

We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries. Many of these are not available on the high street and also have access to rate offers and deals that are exclusive.

Our advisers will discuss all of this with you to ensure that the lender and the product recommended is the very best deal available, offering specialist advice, tailored to meet your specific needs, whatever your circumstances.


For most of us buying a home will probably require a mortgage. How much you can borrow is based on your income and outgoings. Lenders interpret these in varying ways, using their own affordability calculators, meaning the amount you could potentially borrow differs hugely between each lender. For most of us this is likely to be our biggest monthly outgoing, which, without the right help and advice, costly mistakes can be made.

This is where a professional adviser such as Roxburgh can help – we’ll search the market on your behalf to find the perfect mortgage that suits your individual needs. For a clear understanding of exactly how much you could borrow contact us now.

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


Remortgaging can help you to reduce your payments or to improve your borrowing terms. You might also want to remortgage in order to get a more flexible deal which will allows you to overpay, or to take advantage of an offset facility to reduce your interest payments.

You can also remortgage to release equity in your property, drawing money out of your home to use it for something else such as purchasing a second home, undertaking home improvements or to cover school fees.
To discuss your mortgage requirements in more depth please contact us by phone on 0345 434 9505 , or email, or by clicking here

Six reasons to use us

1. We understand how important these decisions are for you

2. We will ask the right questions

3. We will communicate with you in plain English with no jargon

4. We do all the work, right through to helping complete the application form

5. Our advice is tailored to your demands and needs

6. Our advice will leave you in an informed position to make the right choices

You may also be interested in:

  • Income protection insurance
  • Buy-to-let and Let-to-buy mortgages