First time buyers
Clarity on affordability, deposits, rates, and what lenders look for.
- Agreement in Principle support
- Document checklist and timeline
- Offer-to-completion guidance
UK mortgage advice with transparent fees
Mortgage advice that’s
clear, calm and focused on
your best outcome.
Whether you are a first-time buyer, moving home, looking to remortgage or investing in buy-to-let we will compare options and guide you end-to-end.
Services
Choose the pathway that matches your situation. We’ll handle the heavy lifting and keep you informed.
Buy to let
Help selecting the right product structure for your investment goals.
- Limited company / personal options
- Portfolio landlord support
- Rental coverage checks
Remortgage
Review your deal before expiry and explore options to reduce cost or release equity.
- Product transfer vs new lender
- Fee and ERC awareness
- Rate and term optimisation
How it works
A simple, predictable process.
1
Discovery
We understand your goals, timeline, and affordability.
2
Compare
We shortlist options that match your profile and preferences.
3
Apply
We package your application cleanly to minimise delays.
4
Complete
We guide valuation, underwriting, offer, and completion.
FAQs
Common questions from enquiries.
How long does a mortgage application take?
It varies by lender and complexity. A well-prepared application typically progresses faster.
Do you help self-employed applicants?
Yes. We guide you through lender criteria and documentation requirements.
Can I book via WhatsApp?
Yes—use the WhatsApp icon in the top navigation to message us directly.
The guidance information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £299 to £599 and this will be discussed and agreed with you at the earliest opportunity. Copyright © Sunshine Mortgages, a trading style of Sunshine Mortgages Ltd is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Sunshine Mortgages Ltd is registered in England & Wales Reg no. 15122184. REGISTERED OFFICE: 22 Caesar Avenue, Ashford, Kent TN23 3PZ