Whichever of these sounds most like you, the starting point is the same: tell us about your circumstances and we will explain what is realistic before you commit to anything.
Deposits, affordability, an Agreement in Principle and what actually happens after your offer is accepted. We will tell you what you can realistically borrow before you start viewing.
We look at fees and overall cost rather than the headline rate alone, and start early enough that you are not moved on to the standard variable rate by default.
Deposit requirements, how rental income is assessed and where limited company buy-to-let fits. We keep tax guidance general and will tell you when to speak to an accountant.
Sole traders, company directors and contractors are all assessed differently, and lenders vary more here than almost anywhere else. We know which ones read income the way yours is structured.
Porting an existing mortgage, borrowing more or less than last time, and timing the mortgage around a chain that rarely moves at the speed anybody planned for.
What matters is the type of issue, the amount, how long ago it happened and where you are today. Some lenders will consider cases others will not. We will tell you honestly where you stand.
Life cover, critical illness cover and income protection, explained without scare tactics, so you can decide what is worth having and what is not.
Whether you are buying, moving, remortgaging or you simply want to understand your options, speak to the ICE Mortgages team. No jargon, no pressure, just a straight conversation about what is possible.