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HTG Mortgages

Residential Variable & Fixed Rate Mortgages

Your Residential Mortgage Experts

Are you looking to buy your dream home? At HTG Mortgages, we specialise in helping you find the perfect residential mortgage tailored to your unique needs. With access to thousands of mortgage products, including both fixed-rate mortgages and variable-rate mortgage options, and expert guidance from our experienced advisors, we ensure your home-buying journey is smooth and stress-free.

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About

Our approach.

Why choose HTG Mortgages?

Personalised Solutions

We understand that every client is unique. Our advisors will work closely with you to find a mortgage that fits your financial situation and homeownership goals, no matter if you prefer a fixed-rate mortgage for security or a variable-rate mortgage for flexibility.

Expert Guidance

Navigating the mortgage market can be daunting. Our team provides clear, honest advice, helping you make informed decisions every step of the way, including whether a fixed-rate mortgage or a variable-rate mortgage is right for you.

Wide Range of Products

With access to thousands of mortgage products from over 90 high-street lenders, we can secure the best deals.

Hassle-Free Process

We handle all the paperwork and communication with lenders, ensuring a seamless experience from start to finish.

How HTG Mortgages Can Help

At HTG Mortgages, we understand that securing the right mortgage is crucial for your financial well-being and long-term security. Our team of expert advisors is dedicated to helping you navigate the complexities of the mortgage market, providing personalised advice and access to a wide range of mortgage products from trusted lenders. Whether you’re a first-time homebuyer, looking to move, or considering a remortgage, we are committed to finding the best solution, be that a fixed-rate or a variable-rate mortgage, tailored to your needs. Our goal is to make the process as smooth and stress-free as possible, guiding you every step of the way to ensure you secure the home of your dreams.

Let us guide you through the process

A residential mortgage is a loan used to purchase a home, allowing individuals and families to achieve their dream of homeownership. With a residential mortgage, the property serves as collateral for the loan, which is typically repaid over a period of 15 to 30 years*. This type of mortgage offers various options, including a fixed-rate mortgage and a variable-rate mortgage, to suit different financial situations and preferences. A fixed-rate mortgage provides stability with consistent monthly payments, while a variable-rate mortgage can offer lower initial rates with the potential for adjustments based on market conditions.

Why use HTG’s mortgage services?

Available 24/7, so we are always there to help when you need us

We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages

We provide unrivalled customer service, ensuring that you get the care you deserve

How Our Advisors Can Help

At HTG Mortgages, we’re committed to helping you embark on your property investment journey with confidence.

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Frequently Asked Questions

Have another question?

A fixed-rate mortgage has a set interest rate for a specified period, offering stability and predictable payments. A variable-rate mortgage has interest rates that can change, often based on the Bank of England’s base rate, potentially offering lower initial rates but with less predictability.

The required deposit typically ranges from 5% to 20% of the property value. A larger deposit can result in better mortgage rates.

While a low credit score can make securing a mortgage more challenging, our advisors can help explore options with lenders who consider applicants with less-than-perfect credit histories.

You will generally need proof of identity, proof of income (such as payslips or tax returns), bank statements, and details of any existing debts or financial commitments before applying for either a fixed or a variable rate mortgage.

The mortgage approval process can take anywhere from a few weeks to several months, depending on your circumstances and the lender’s requirements. Our team will work diligently to expedite the process and keep you informed at every stage.

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Operating across the UK