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Whether you are buying your first home, moving, remortgaging, or growing a buy-to-let portfolio, Emoov Mortgages helps you find a mortgage that fits your circumstances and manage the process from first enquiry to completion.
We compare options across lenders, explain everything in plain English, and help you secure an Agreement in Principle and complete your application with confidence.
Selling or buying through Emoov? Your mortgage advice is free. Everyone else pays a flat fee of £199. No hidden fees, no percentage of the loan, no surprises.
We compare mortgage options across lenders to help you find one that suits your circumstances, not just one bank’s product range.
Mortgage advice is free if you are selling or buying through Emoov. Otherwise, the fee is a flat £199, with no hidden fees.
Mortgages have enough moving parts already. We keep things clear from your first conversation to completion.
We match your application to lenders more likely to accept it based on your income, deposit, credit profile, and property type, before any footprint is left on your credit file.
Your adviser stays with you throughout the process, from initial checks to mortgage offer and beyond.
Because Emoov Mortgages sits alongside our estate agency service, your mortgage and your property transaction work together rather than in parallel. That means less chasing, less repeating yourself, and fewer delays caused by information being passed between people who do not talk to each other.
A good example: when a buyer secures their Agreement
in Principle through Emoov Mortgages, the property they
are buying can be updated to Sold Subject to Contract straight away. No waiting for paperwork to move between an estate agent and a separate broker.
For sellers, that means a faster, cleaner progression.
For buyers, it removes one of the most common sources
of anxiety in the process. If you are already selling or buying through Emoov, your mortgage advice is included free.
The convenience is built in.
Lenders look at how much you earn and how stable that income is, whether you are employed, self-employed, a contractor, or a company director.
Missed payments, defaults, CCJs, or previous bankruptcy can affect which lenders are right for your application. They do not always rule you out, but they shape your options.
A larger deposit usually gives you access to better rates and a wider choice of lenders.
Credit cards, loans, car finance, childcare costs, and other regular outgoings all affect how much you can borrow. Lenders add these up before calculating what you can afford.
Most lenders have minimum age requirements and maximum age limits by the end of the mortgage term.
Some lenders restrict new builds, ex-council flats, flats above shops, or non-standard construction.
Mortgage affordability is based on your income, regular outgoings, and whether you could still afford repayments if interest rates rise. All UK lenders must carry out this assessment.
Most lenders offer around four to four-and-a-half times your annual income, though some go higher for certain professions, stronger income profiles, or lower-risk cases. Joint applications are based on combined income.
Existing credit commitments
Regular household spending
Your deposit and the mortgage term you choose
Childcare costs and student loan repayments
Gifted deposits from family members
are accepted by many lenders, provided they
are properly evidenced with a signed letter confirming the money is a gift and not a loan. Your adviser will tell you exactly what is needed.
The entry point for many lenders.
Product choice is narrower and rates
are usually higher.
A meaningful step up in lender choice
and pricing.
Opens up more competitive rates across
a wider part of the market.
Usually required for buy-to-let mortgages and
often gives access to the strongest rates.
Knowing what is coming at each stage takes the anxiety out of the process.
Use our mortgage readiness tool or speak to an adviser to understand what you are likely to be able to borrow before you start your search.
A soft-search indication of how much a lender is willing to offer based
on your initial details. Usually no impact on your credit score.
With an AIP in place, you can make offers with confidence.
Sellers and agents take AIP holders seriously.
Your adviser gathers the documents and submits the application
to the chosen lender on your behalf.
The lender arranges a valuation to confirm the property is worth
the agreed purchase price.
Once approved, the lender issues a formal mortgage offer, typically
valid for three to six months.
Your solicitor handles conveyancing, searches, and exchange
of contracts. Once contracts are exchanged, the sale is legally binding.
Funds are transferred, the purchase completes, and the property
is yours.
An Agreement in Principle (AIP), also called a Decision in Principle or mortgage in principle, is an indication from a lender of how much they are willing to lend based on your initial information. It is not a guaranteed mortgage offer, but it helps you understand your budget, shows sellers you are a serious buyer, and means you can move quickly when the right property comes up. Most AIPs involve only a soft credit check.
Once your mortgage is in place, the next sensible step is making sure you are covered if something goes wrong. Life cover, critical illness insurance, and income protection are the three most common types of mortgage protection, and most people sort them at the same time as their mortgage rather than leaving it for later.
An Emoov adviser can talk you through the options and help you find cover that fits your circumstances and your budget. We keep this part as straightforward as the mortgage itself.
