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Mortgages
Mortgages
- First-Time Buyer Mortgages
- Bad Credit Mortgages
- Mortgage Repayments
- Mortgage Rates
- Mortgage Applications
- Remortgages
- Buy to Let Mortgages
- Mortgage Lenders
- Self-Employed Mortgages
- Mortgage Affordability
- Mortgage Advice
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- Mortgage Types
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- Government Schemes
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First-Time Buyer MortgagesA Guide to First-Time Buyer MortgagesWords of wisdom for those buying their first homeHelp to Buy Alternatives for First-Time BuyersFind the best alternatives to Help to BuyGuarantor MortgagesAll you need to know about guarantor mortgagesBad Credit Mortgages for First-Time BuyersA guide to bad credit mortgages for first-time buyersRenovation Mortgages for First-Time BuyersA guide to first-time buyer renovation mortgagesA Guide to Shared Ownership MortgagesFind a broker to help with your Shared Ownership mortgageFirst Homes Scheme MortgagesAll you need to know about First Homes Scheme mortgagesFirst-Time Buyer Mortgage LendersA guide to first-time buyer mortgage lendersGuarantor Mortgage CalculatorTry our guarantor mortgage calculatorBest Guarantor Mortgage LendersFind out how to find the right lender for your guarantor mortgageFeatured Articles
A Guide to First-Time Buyer MortgagesWords of wisdom for those buying their first home
Help to Buy Alternatives for First-Time BuyersFind the best alternatives to Help to Buy
Bad Credit Mortgages for First-Time BuyersA guide to bad credit mortgages for first-time buyersCase StudiesBad Credit MortgagesA Complete Guide to Bad Credit MortgagesHow to get the best mortgage deal with bad creditGetting a Mortgage With a Debt Management PlanGetting a mortgage with a debt management plan on your fileRemortgaging With Bad CreditHow to refinance with adverse credit against your nameGetting a Mortgage With an IVAHow to get approved for a mortgage with an IVABad Credit Mortgage CalculatorsFind out how much you can borrow with bad creditGetting a Mortgage With a County Court Judgment (CCJ)How to get a mortgage with a CCJGetting a Mortgage After a BankruptcyHow to get a mortgage with a bankruptcy on your filesGetting a Mortgage After a RepossessionYour mortgage options if you have had a past repossessionBad Credit Buy-to-Let MortgagesGetting a buy-to-let mortgage with adverse creditGetting a Joint Mortgage With One Bad Credit ApplicantHow to get a joint mortgage with one bad credit applicantMortgage RepaymentsHow Mortgage Repayments Are CalculatedHow mortgage repayments work and what determines themRepayments on a £100,000 MortgageCalculate the monthly repayments on a £100k mortgageRepayments on a £125,000 MortgageWork out the repayments on a £125k mortgageRepayments on a £150,000 MortgageWork out the repayments on a £150k mortgageRepayments on a £175,000 MortgageWork out the repayments on a £175k mortgageRepayments on a £200,000 MortgageHow much your £200k mortgage will cost each month and overallRepayments on a £250,000 MortgageCalculate the repayments on a £250k mortgageRepayments on a £300,000 MortgageHow much the repayments on a £300k mortgage areRepayments on a £350,000 MortgageCalculate the repayments on a £350k mortgageRepayments on a £400,000 MortgageHow much a £400k mortgage costs per monthMortgage RatesCompare Today's Best Mortgage RatesCompare the latest mortgage rates for freeBad Credit Mortgage RatesHow to compare bad credit mortgage ratesCompare Remortgage Rates & Deals OnlineHow to compare remortgage deals for freeFirst-Time Buyer Mortgage RatesCompare first-time buyer mortgage rates for freeInterest-Only Mortgage RatesCompare today's best interest-only mortgage ratesMortgage Rates in Northern IrelandA guide to mortgage rates in Northern IrelandMortgage ApplicationsA Complete Guide to Mortgage ApplicationsWords of wisdom to help you with your mortgage applicationWhat Credit Score do you Need to Get a Mortgage?Learn how credit scores impact mortgage eligibilityJoint Mortgage ApplicationsA complete guide to joint mortgage applicationsTenants in Common vs. Joint TenantsLearn the difference between joint tenants and tenants in commonJoint Borrower, Sole Proprietor MortgagesA guide to joint borrower, sole proprietor mortgagesMortgage Credit ChecksCheck your credit for a mortgage application hereWhat to do if You've Been Declined for a MortgageWhat to do if you have been rejected for a mortgageAdditional BorrowingHow to get the best rate when your remortgage to borrow moreHow Long Does Conveyancing Take In The UK?Learn more about the conveyancing processMaximum & Minimum Mortgage TermsA guide to mortgage term lengthsFeatured Articles
A Complete Guide to Mortgage ApplicationsWords of wisdom to help you with your mortgage application
What to do if You've Been Declined for a MortgageWhat to do if you have been rejected for a mortgage
Joint Mortgage ApplicationsA complete guide to joint mortgage applicationsCase StudiesRemortgagesThe Ultimate Guide to RemortgagingBrowse the latest remortgage rates and access broker supportRemortgaging To Buy Another PropertyNeed to refinance so you can release equity to buy another property?Remortgaging to Consolidate DebtNeed to refinance to consolidate debt?7 Reasons Not To RemortgageWhen you should consider the alternatives to refinancingRemortgaging to Build an ExtensionRefinancing to release equity to fund an extensionProduct Transfer vs. RemortgageHow product transfers compare to remortgagesShould You Use a Mortgage Broker to Remortgage?Get expert advice about your remortgage hereMortgage Renewal AdviceHow to get the best deal on your mortgage renewalDay 1 RemortgagesHow to refinance a property right after purchaseRemortgaging With Bad CreditHow to refinance with adverse credit against your nameBuy to Let MortgagesThe Ultimate Guide to Buy-to-Let MortgagesEverything you need to know about buy-to-let mortgagesConsumer Buy to Let MortgageAll you need to know about consumer buy-to-let mortgagesBuy-to-Let Mortgage RepaymentsHow buy-to-let mortgage repayments are calculatedLimited Company Buy-to-Let MortgagesGetting a buy-to-let mortgage through a limited companyBuy-to-Let Mortgages for Portfolio LandlordsA guide to muti-property mortgages for portfolio landlordsAccidental LandlordYour options if you become an accidental landlordBest Areas for a UK Buy-to-Let MortgageFind the best location for your buy-to-let propertyBuy-to-Let Mortgages for First-Time BuyersAll you need to know about first-buyer mortgagesBuy-to-Let Mortgages in ScotlandA complete guide to buy-to-let in ScotlandBuy-to-Let Mortgages in Northern IrelandA guide to buy-to-let mortgages in Northern IrelandFeatured Articles
The Ultimate Guide to Buy-to-Let MortgagesEverything you need to know about buy-to-let mortgages
Buy-to-Let Mortgages for First-Time BuyersAll you need to know about first-buyer mortgages
Best Areas for a UK Buy-to-Let MortgageFind the best location for your buy-to-let propertyCase StudiesMortgage Lenders
Self-Employed MortgagesMortgages For Self-Employed PeopleA complete guide to mortgages for the self-employedGetting a Self-Employed Mortgage With 1 Year’s AccountsHow to get a mortgage with 12 months' trading historyGetting a Self-Employed Mortgage With 2 Years’ AccountsHow to get a mortgage with 24 months' trading historyMortgages for Sole TradersA mortgage guide for self-employed sole tradersGetting a Mortgage as a Company DirectorA guide to mortgages for limited company directorsGetting a Mortgage in a PartnershipHow to get a mortgage in a business partnershipContractor MortgagesAll you need to know about mortgages for contractorsUmbrella Company MortgagesHow to get a mortgage if you trade under an umbrella companyMortgages for FreelancersGetting the best mortgage deal as a freelancerSelf Cert MortgagesFind out about self-cert and similar modern productsMortgage AffordabilityMortgage Affordability: How Much Can You Borrow on Your Salary?A complete overview of mortgage affordabilityMortgage-to-Salary RatioWhat percentage of your salary your mortgage payments should beHow Much Mortgage Can You Get With a £30,000 Salary?How to calculate your maximum mortgage borrowing on £30k per yearHow Much Mortgage Can You Get With a £40,000 Salary?Find out how much you can borrow on £40k per yearHow Much Mortgage Can You Get With a £50,000 Salary?Find out how much mortgage you can borrow on £25k per yearHow Much Mortgage Can You Get With a £60,000 Salary?How much you can borrow on £60k income4.5 Times Salary MortgagesMortgages based on 4.5 times income5 Times Salary MortgagesA comprehensive guide to 5 times income mortgages5.5 Times Salary MortgagesA guide to 5.5 times income mortgagesHow Much Mortgage Can You Get With a £70,000 Salary?How much you can borrow with £70k incomeMortgage AdviceA Complete Guide to Self-Build MortgagesA complete guide to self-build mortgagesMortgages and Property TypesAll you need to know about mortgages and property typesJoint Borrower, Sole Proprietor MortgagesA guide to joint borrower, sole proprietor mortgagesOnline Mortgage AdvisorsConnect with one of our mortgage brokers hereMortgage CalculatorsTry our range of mortgage calculators hereSecond Home Mortgage AdviceHow to get a mortgage to buy a second homeA Guide to Islamic & Sharia-Compliant MortgagesGuidance on Islamic mortgagesMortgages for New Build HomesHow to get a mortgage on a new build propertyRight to Buy MortgagesA guide to the Right to Buy mortgage schemeNon-Standard Construction MortgagesA guide to non-standard construction mortgagesMortgage DepositsMortgage DepositsAll you need to know about mortgage deposits1% Deposit MortgagesA guide to 99% LTV mortgages and their alternatives95% LTV MortgagesA complete guide to 95% LTV mortgages90% LTV MortgagesChoosing the right mortgage with 10% deposit80% LTV MortgagesA guide to getting the best mortgage deal with 20% deposit85% LTV MortgagesHow to get the best mortgage with 15% deposit70% LTV MortgagesGetting the best mortgage deal with 30% deposit75% LTV MortgagesGetting the best mortgage deal with 25% depositLarge Deposit Mortgages: Compare 60-65% LTV DealsA complete guide to getting a mortgage with a high deposit40% LTV MortgagesA guide to 40% LTV mortgagesMortgage TypesCompare Fixed Rate Mortgage Deals OnlineEverything you need to know about fixed-rate mortgages1-Year Fixed-Rate MortgagesA guide to 1-year fixed-rate mortgagesCompare 3-Year Fixed-Rate MortgagesA complete guide to 3-year fixed-rate mortgagesCompare 2-Year Fixed-Rate Mortgage Deals OnlineHow 2-year fixed-rate mortgages work and how to get oneCompare 5-Year Fixed-Rate Mortgages OnlineAll you need to know about 5-year fixed-rate mortgagesA Guide to Interest-Only MortgagesA complete guide to interest-only mortgagesLong-Term Fixed-Rate MortgagesA guide to 10, 15, 30 and longer fixed-rate mortgagesSecured Loans ExplainedA complete guide to secured loansGetting a Short Term MortgageA complete guide to short-term mortgage loansTracker Rate MortgagesCompare rates and deals for tracker mortgagesCommercial FinanceA Guide to Commercial MortgagesA complete overview of commercial mortgagesMixed-Use & Semi-Commercial MortgagesA complete guide to semi-commercial mortgage lendingHotel MortgagesApplying for a mortgage to buy a hotelCommercial Bridging LoansA guide to unregulated bridging finance for businessesCommercial FinanceA complete guide to finance options for your businessOwner-Occupier Commercial MortgagesA guide to owner-occupier mortgages for businessesCommercial Investment MortgagesA guide to commercial investment mortgagesWarehouse MortgagesGetting a commercial mortgage to buy a warehouse100% LTV Commercial MortgagesHow to get a commercial mortgage without a depositIndustrial MortgagesHow to get a commercial mortgage on an industrial propertyFeatured Articles A Guide to Commercial MortgagesA complete overview of commercial mortgages Mixed-Use & Semi-Commercial MortgagesA complete guide to semi-commercial mortgage lending Commercial Mortgage LendersCompare the latest commercial mortgage rates from the UK's leading lenders with the help of our expertsCase StudiesGovernment SchemesA Guide to UK Mortgage SchemesAn overview of the mortgage schemes availableForces Help to Buy MortgageA quick and easy guide to the Forces Help to Buy schemeA Guide to Shared Ownership MortgagesFind a broker to help with your Shared Ownership mortgageShared Ownership (Wales)A guide to Shared Ownership mortgages in WalesShared Equity (Scotland)Find out whether the Shared Equity scheme could help with your mortgage needsOlder People's Shared OwnershipShared Ownership mortgage deals for the elderlyRight to Buy MortgagesA guide to the Right to Buy mortgage schemeCan you get a right to buy mortgage with bad credit?Find the answer in our guide to bad credit Right to Buy mortgagesFirst Homes Scheme MortgagesAll you need to know about First Homes Scheme mortgagesGetting a Shared Ownership Mortgage With Bad CreditA guide to bad credit Shared Ownership mortgagesProperty TypesMortgages and Property TypesAll you need to know about mortgages and property typesBasement Flat MortgagesHow to get a mortgage to buy a basement flatNon-Standard Construction MortgagesA guide to non-standard construction mortgagesGetting a Mortgage on a Timber Framed HouseHow to get a mortgage on a timber frame propertyGetting a Mortgage on a Steel Framed HouseHow to get a mortgage on a steel framed propertyGetting a Mortgage on a Property With CladdingYour mortgage options when buying or remortgaging a property with claddingGetting a Mortgage on a Concrete HouseYour mortgage options when buying a concrete propertyMaisonette Mortgages ExplainedA guide to mortgages for maisonette propertiesBungalow Mortgages ExplainedA guide to mortgages for bungalow buyersMortgages for Studio FlatsAll you need to know about studio flat mortgages -
Later Life Lending
Later Life LendingEquity ReleaseA Complete Guide to Equity ReleaseAll you need to know about lifetime mortgages & revision plansHow to Get Equity Release With a Bad Credit RatingYour guide to bad credit equity releaseCan I Use Equity Release To Buy A Second Home?Find out if an equity release mortgage can help you buy another propertyHow Much Equity Release Can You Get?A breakdown of what you can borrow & the costsEquity Release: Pros, Cons & Alternatives to ConsiderThe advantages and disadvantages of equity release schemesEquity Release in ScotlandA complete guide to Scottish equity release schemesBuy-to-Let Equity ReleaseHow to release equity from a buy-to-let propertyEquity Release in Northern IrelandA guide to equity release in Northern IrelandFeatured Articles A Complete Guide to Equity ReleaseAll you need to know about lifetime mortgages & revision plans How Much Equity Release Can You Get?A breakdown of what you can borrow & the costs Equity Release: Pros, Cons & Alternatives to ConsiderThe advantages and disadvantages of equity release schemesCase StudiesLifetime MortgagesRetirement Interest Only MortgagesFeatured ArticlesCase StudiesMortgages for PensionersA Guide to Mortgages For PensionersBrowse the best mortgage deals for pensionersMortgages For Over 50sCompare mortgage rates for borrowers over 50Mortgages For Over 55sCompare mortgage rates for borrowers over 55Mortgages For Over 60sCompare mortgage rates for borrowers over 60sMortgages For Over 65sCompare rates and deals on mortgages for borrowers over 65Mortgages for Over 70sGet a comparison of mortgage rates for over 70sMortgages for Over 75sGet a comparison of mortgage rates for over 75sMortgages for Over 80sGet a comparison of mortgage rates for over 80sEquity Release Providers
Featured Articles A Complete Guide to Equity ReleaseAll you need to know about lifetime mortgages & revision plans
How to Get Equity Release With a Bad Credit RatingYour guide to bad credit equity release How Much Equity Release Can You Get?A breakdown of what you can borrow & the costsCase Studies -
Loans
Bridging LoansBridging Loans: How They Work & How To Get OneYour complete guide to bridging finance loansBridging Loans: Pros, Cons and Alternatives to ConsiderLearn about the benefits and drawbacks of bridging financeRegulated Bridging LoansA complete guide to regulated bridging financeHow Much Does a Bridging Loan Cost?How bridging loan repayments are calculatedCommercial Bridging LoansA guide to unregulated bridging finance for businessesSecond Charge Bridging LoansAll you need to know about second charge bridging financeAuction FinanceA complete guide to auction financeDevelopment FinanceAll you need to know about development finance loansFeatured Articles Bridging Loans: How They Work & How To Get OneYour complete guide to bridging finance loans Bridging Loans: Pros, Cons and Alternatives to ConsiderLearn about the benefits and drawbacks of bridging finance
Regulated Bridging LoansA complete guide to regulated bridging financeCase StudiesBridging Loan Lenders
Featured Articles Bridging Loans: How They Work & How To Get OneYour complete guide to bridging finance loans Bridging Loans: Pros, Cons and Alternatives to ConsiderLearn about the benefits and drawbacks of bridging finance Second Charge Bridging LoansAll you need to know about second charge bridging financeCase StudiesHomeowner LoansSecured Loans ExplainedA complete guide to secured loansBad Credit Secured LoansHow to get a secured loan with a history of bad creditSecured Loans: Pros, Cons and Alternatives to ConsiderAdvantages and disadvantages of homeowner loansSecured Business LoansA guide to secured loans for business purposesSecond Charge Buy-to-Let MortgagesA guide to buy-to-let secured loansHomeowner Loan Lenders
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Insurance
InsuranceLife InsuranceA Guide to Life InsuranceAll you need to know about life insuranceWhole-of-Life InsuranceEverything you need to know about whole-of-life insuranceRelevant LifeAll you need to know about relevant life insuranceLife Insurance for People With DiabetesHow to get the best life insurance with diabetesLife Insurance for HIV PatientsA guide to life insurance for HIV sufferers£100k Life InsuranceHow much £100k life insurance costs and pays outLife Insurance for Over 50sA guide to life insurance for over 50sLife Insurance for ChildrenA guide to children's life insurance policies£250k Life InsuranceA guide to £250k life insurance policiesLife Insurance For People With LupusA guide to life insurance for Lupus patientsIncome ProtectionA Complete Guide to Income Protection InsuranceAll you need to know about income protectionShort Term Income Protection InsuranceA guide to short term income protection coverIncome Protection Insurance for RedundancyA guide to unemployment insuranceIncome Protection for the Self-EmployedA guide to income protection for self-employed peopleIncome Protection Insurance Vs. Critical Illness CoverLearn how these two insurance types compareIncome Protection Vs. Life InsuranceFind out how these two insurance types compareA Guide to Group Income Protection InsuranceA guide to group income protection for businessesIncome Protection for PregnancyFind out whether income protection covers pregnancyIncome Protection Insurance ProvidersHow to choose the right income protection providerExecutive Income ProtectionEverything you need to know about executive income protectionCritical Illness CoverA Guide to Critical Illness CoverAll you need to know about critical illness coverIncome Protection Insurance Vs. Critical Illness CoverLearn how these two insurance types compareWhat insurance do you need when buying a house?A guide to protection insurance for homeownersLife & Critical Illness CoverA guide to combined life and CiC policiesCritical Illness Cover for Heart AttacksA guide to CiC insurance for heart attacksCritical Illness Cover for Multiple SclerosisA guide to critical illness cover for MSA Guide to Group Critical Illness CoverChoosing a group critical illness cover planJoint Critical Illness Cover PoliciesAll you need to know about joint CiC policiesCritical Illness Cover for ArthritisFind out whether you can get CiC for arthritisCritical Illness Cover Vs. Terminal Illness CoverHow CiC compares to terminal illness coverFeatured Articles
A Guide to Critical Illness CoverAll you need to know about critical illness cover
Income Protection Insurance Vs. Critical Illness CoverLearn how these two insurance types compare
What insurance do you need when buying a house?A guide to protection insurance for homeownersCase StudiesHome InsuranceA Guide to Home InsuranceA comprehensive guide to home insuranceLandlord InsuranceA guide to insurance for buy-to-let landlordsWhat insurance do you need when buying a house?A guide to protection insurance for homeownersHome Insurance for Listed BuildingsGetting home insurance on a grade listed propertyHome Insurance for Non-Standard Construction PropertiesA guide to home insurance for non-standard propertiesHome Insurance for Self-Build PropertiesA guide to self-build home insuranceHome Insurance for Properties in ProbateA guide to home insurance for properties in probateHome Insurance for FlatsA guide to home insurance for flatsHome Insurance for SubsidenceHow to get home insurance with subsidence coverHome Insurance With Flood CoverA guide to home insurance with flood coverHome Insurance Providers
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- Tom Johnson
Tom Johnson
Financial Planner
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All of our pensions and estate planning customers are handled by independent financial adviser Tom Johnson.
Tom works closely with individuals, families, and business owners to help them make smart, informed decisions with their money.
With years of hands-on experience in financial advice, covering both paraplanning and client-facing roles, he specialises in retirement planning, investment strategy, and estate planning, and is particularly focused on helping clients cut through the noise and take control of their long-term financial futures with confidence.
His approach is straight-talking, outcomes-driven, and grounded in real-life goals. Whether it’s planning for a comfortable retirement, investing tax-efficiently, or building a legacy, he works with clients to build a clear financial plan, and then make it happen.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.
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