Available Across All Branches

Mortgages

Buying a home involves a lot of moving parts. Understanding what you can borrow and how, is one of the most important steps, and it’s one we can help with from the start.

Available Across All Branches

Mortgages

Buying a home involves a lot of moving parts. Understanding what you can borrow and how, is one of the most important steps, and it’s one we can help with from the start.

Where To Start

Getting the mortgage conversation going early

Our teams work alongside trusted mortgage advisers who know the local market — helping you understand your options before you start viewing.

How It Works

Talk to us first
An honest conversation about what you’re looking for and what budget makes sense.

Connect with an adviser
We’ll refer you to a qualified adviser who’ll look at your full picture and tell you where you stand.

View with confidence
A mortgage in principle puts you in a stronger position — and sellers know it.

We stay involved throughout
From offer to exchange, we keep things moving and flag issues early.

Who We Can Help

Whatever stage you’re at

Whether it’s your first purchase or your fifth, the mortgage landscape changes constantly. Here’s how we can point you in the right direction.

First-time buyers

We’ll help you understand how much you can borrow, what deposit you’ll need, and which advisers specialise in first-time buyer schemes — before you fall for a home you can’t yet afford.

Home movers

Whether your existing mortgage is portable or you need a fresh deal, it’s worth getting advice early — especially if your circumstances have changed. We’ll help coordinate sale and purchase timelines.

Remortgaging

Fixed rate coming to an end? We can connect you with advisers who search the whole market — not just what one lender offers — before you roll onto a standard variable rate.

Buy-to-let

Lenders assess BTL mortgages on expected rental income as well as personal income. Our lettings teams can give you a realistic picture of achievable rents before you commit to anything.

Getting mortgage-ready

Before you start viewing

Check your credit report
Lenders will look at your credit history. It’s worth checking yours before anyone does a hard search, errors do happen and they can be fixed.

Know your deposit
The size of your deposit affects both the interest rate you’re offered and which lenders are available to you. Even an extra 5% can make a meaningful difference.

Get your paperwork together
Most lenders will want payslips, bank statements, P60s, and proof of address. Having these ready speeds things up considerably once you find the right property.

Get a mortgage in principle
A mortgage in principle (also called an agreement in principle) shows sellers you’re a serious buyer. In a competitive market, it can make the difference when two offers are close.

Understanding Affordability

What lenders look at

Affordability isn’t just about your salary. Lenders look at your outgoings, any existing debts, number of dependants, and how your income is structured, particularly if you’re self-employed or on a variable income.

Flexible income multiples

Depending on your circumstances, some lenders may offer more than you’d expect.

Access to the whole market

Advisers can search across a wide range of lenders, not just one bank.

Favourable deposit options

Some lenders offer very favourable deposit amounts for eligible buyers.

Buy-to-let lending

BTL mortgages usually need a larger deposit. An adviser can confirm what applies to you.

All lending is subject to status and eligibility. Speak to a qualified adviser for figures based on your circumstances.

Local Knowledge

We know these areas inside out

Property prices, commuter demand and new-build availability vary considerably across Milton Keynes, Bletchley, Tring and Hemel Hempstead. A mortgage adviser can tell you what a lender will offer — we can tell you whether the price is right.

Milton Keynes
Sovereign Court, 209A Witan Gate, MK9 2HP

Bletchley
190 Queensway, Bletchley, MK2 2ST
Tring
79 High Street, Tring, HP23 4AB
Hemel Hempstead
33 Marlowes, Hemel Hempstead, HP1 1LA

Why Michael Anthony

What you get from working with us

We’ve been helping buyers across this part of the country since 1990. Here’s what that means in practice.

People who know the area

Our branch teams live and work locally. When you ask whether a property is fairly priced, you’ll get a clear, honest answer based on what we’ve actually seen sell, rather than a generic market report.

No pressure, no obligation

We won’t push you towards a mortgage product simply because it earns us a commission. If you’d prefer to arrange your own mortgage, that’s absolutely fine. We’ll still help you find and secure the right property.

Involved from start to finish

We don’t disappear once your offer is accepted. Our teams stay in regular contact with your solicitor, the seller’s agent and everyone else involved in the chain, helping to keep the whole process moving.

Common Questions

Mortgage questions we hear often

You don’t have to have one before you start looking, but it puts you in a much stronger position when you find a property you want to offer on. Many sellers, and their agents will ask whether you have one before accepting an offer.

Getting a mortgage in principle typically involves a soft credit check (which doesn’t affect your credit score) and can usually be arranged within a day or two.

How much you can borrow depends on more than just your salary. Lenders look at your income, outgoings, any existing debts, your deposit size, and whether you’re employed, self-employed or in a contract role. Many lenders currently offer favourable income multiples, but the figure you’re offered will depend on your circumstances.

A mortgage adviser can give you a realistic figure based on your situation. It’s always worth getting a proper assessment rather than relying on online calculators alone.

A fixed rate mortgage locks your interest rate in for a set period, typically two, three or five years, so your monthly payments stay the same regardless of what happens to base rates. A variable or tracker mortgage can go up or down in line with the Bank of England base rate.

Neither is automatically better, it depends on your circumstances, your view on rates, and how much certainty you need in your monthly budget.

Yes, in most cases. Lenders assess buy-to-let applications slightly differently, they’ll look at the expected rental income as well as your personal income and overall financial position. You’ll typically need at least a 25% deposit for a buy-to-let purchase.

If you’re considering this, our lettings teams can give you a realistic picture of rental demand and achievable rents in the area you’re looking at, which is useful context before you approach a lender.

Being self-employed doesn’t prevent you from getting a mortgage, but lenders typically want to see two to three years of accounts or tax returns. If your income varies year to year, some lenders will take an average over two or three years; others will use your most recent year’s figures.

It’s particularly worth speaking to a mortgage adviser if you’re self-employed, as some lenders are much better suited to this than others.

No, we’re estate agents, not mortgage lenders or brokers. What we can do is refer you to qualified mortgage advisers who we work with and trust, and who understand the local property market.

Any mortgage advice you receive will be from a regulated adviser. We’ll stay involved as your estate agent throughout the purchase process.

Ready to take the next step?

Talk to us before you start searching.

A quick conversation with one of our branch teams can save a lot of time — and make sure you’re looking at the right properties in the right areas.