A mortgage is rarely just a financial product. It is often connected to a bigger life decision — buying your first home, moving somewhere new, investing in property, restructuring borrowing, or planning your future.
Advanta Mortgages provides clear, personal mortgage advice for individuals, families, business owners, self-employed clients and those with more complex borrowing needs.
As experienced independent mortgage brokers, we research the marketplace to help identify lenders and terms suited to your circumstances. Our advice covers residential and commercial mortgages, with support across first-time purchases, remortgaging, buy-to-let, specialist lending, high-value homes and business mortgages.
Our role is to make the process easier to understand and more confidently managed, from early affordability conversations through to application, lender communication and completion.
Because Advanta Mortgages sits within the wider Advanta Group, our advice can also connect with wealth and protection planning where appropriate. That means your mortgage decisions can be considered as part of a wider view of your financial life.
Our services are designed around different life stages, borrowing needs and property ambitions. Here’s who, and how, we help.
Buying your first home can feel exciting, but it can also feel unfamiliar and complex.
Advanta Mortgages helps first-time buyers understand what they may be able to borrow, what lenders will consider, and which mortgage options may be appropriate. Talk to our team even before finding a property, so you can understand the figures that may shape your search.
We’ll guide you through the process clearly, explain the steps involved and help you move forward with greater confidence.
When your current mortgage deal is coming to an end, or your circumstances have changed, it may be time to review your options.
Advanta Mortgages can help you explore remortgage and product-switch options, comparing rates, fees, terms and lender criteria to identify an approach that works for your situation.
We can also help manage the process, liaise with lenders and keep the detail clear, so you can make the right decision with clarity and understanding.
Buy-to-let can be a valuable part of a wider financial plan, but it comes with responsibilities, costs and risks that need to be understood.
Advanta Mortgages helps clients explore buy-to-let borrowing with care, including how the investment may be structured, what lenders may require and where potential issues and costs could arise, such as tenancy agreements, deposits, repairs and maintenance.
We’ll help you assess the options clearly and make decisions that are realistic, considered and aligned to your circumstances.
Not every client fits standard lending criteria.
If you are self-employed, a contractor, freelancer, have irregular income, multiple income streams or a more complex financial position, finding the right lender can take specialist understanding. High-street lenders may not always offer mortgages to self-employed clients, contractors and freelancers.
We help present your circumstances clearly, identify lenders with more suitable criteria and guide you through the documentation needed to support your application.
The aim is simple: to make a complex process feel clearer, more manageable and better matched to real life.
Higher-value property purchases often involve more complex borrowing needs.
You may have variable income, bonuses, business interests, multiple assets, international considerations or a more sophisticated financial structure. In these cases, mortgage advice needs to be thoughtful, detailed and tailored.
Advanta Mortgages helps high-value buyers compare lending options, understand borrowing capacity, check eligibility and identify suitable lenders and terms. Advanta Mortgages has direct relationships with lenders and can offer insight into mortgage deals and products available to support client needs.
We’ll help bring clarity to the process, so the mortgage supports the wider decision rather than becoming a source of unnecessary pressure.
Commercial property decisions need advice that understands both the property and the business behind it.
Advanta Mortgages supports clients seeking business or commercial mortgages, helping compare lenders, structure borrowing and identify products aligned to the circumstances and goals of the business.
Whether you are purchasing premises, refinancing or exploring a commercial property opportunity, we’ll help you understand the options and move forward with greater certainty.
Mortgage advice is built on detail, timing and trust.
The Advanta Mortgages team is here to guide your enquiry from the first conversation through to completion, helping make the process clear, organised and as straightforward as possible.
Frazer Mackay leads the service, supported by a team of mortgage experts with experience across residential, specialist and commercial mortgage needs.
You’ll have people who understand your circumstances, explain what matters and stay close to the process as it moves forward.
Our approach is calm, practical and built around your circumstances.
We start by understanding what you are trying to achieve — not just the mortgage you need, but the life or business decision behind it. From there, we help you understand your borrowing position, explore suitable options, prepare the right information and manage the application process with care.
Where appropriate, we can also connect your mortgage advice with wider wealth or protection planning within Advanta Group. That joined-up approach helps ensure important financial decisions are considered together, not in isolation.
For advice that brings clarity to your next property decision, speak to the Advanta Mortgages team.
Have a question about Advanta Mortgages and our services? You’ll find some of the most common questions below.
Your home is at risk if you do not keep up the repayments on your mortgage. Investments can go down as well as up therefore investment values do change and are not guaranteed. We are not tax or legal specialists and therefore should you require advice in this area we recommend you speak with a suitably qualified Accountant or Solicitor. The content of this website does not constitute advice.
How much you can borrow depends on your income, outgoings, deposit, credit profile, commitments and lender criteria. Some lenders use income multiples, while others place more weight on affordability. Advanta Mortgages can help you understand what may be realistic before you begin or progress your property search.
Yes. Speaking to a broker early can help you understand your likely borrowing position, deposit requirements and monthly payments before you commit to a search.
No. Advanta Mortgages supports a wide range of clients, including first-time buyers, home movers, remortgaging clients, buy-to-let investors, self-employed clients, high-value buyers and businesses seeking commercial mortgage advice.
Mortgage advice can help identify lenders and products that may be suitable for your individual circumstances, particularly where your requirements are more complex.
It is sensible to review your mortgage before your current deal ends, if your circumstances change, or if you are considering borrowing more, moving home or restructuring your finances. A broker can help you assess whether a remortgage, product switch or new mortgage arrangement may be appropriate.
Yes. Advanta Mortgages supports buy-to-let clients and can help you understand lending options, affordability considerations and the responsibilities involved in becoming or continuing as a landlord.
Yes. Advanta Mortgages specialises in residential and commercial mortgages, helping clients research the marketplace and identify suitable lenders and terms for their circumstances.
Where appropriate, mortgage advice can connect with wider wealth and protection planning across Advanta Group. This helps ensure decisions around property, borrowing, protection and long-term finances are considered together.
Speak to us about the decisions in front of you, and the future you want to build.
