Residential mortgages
Find the mortgage advice that fits your circumstances.
From buying your first home to arranging larger or more complex borrowing, our advisers can help you understand your options, research appropriate lenders and manage your application.
Mortgage options
What are you looking for?
Select the area most relevant to your circumstances to explore the mortgage advice and support available.
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↗First-Time Buyers
Guidance through your first purchase, from understanding affordability and deposits to preparing the mortgage application and progressing towards completion.
02
↗Home Movers
Mortgage advice when moving to your next home, including reviewing your existing borrowing and structuring the finance required for your purchase.
03
↗Remortgages
Reviewing your existing mortgage, future plans and borrowing requirements when your current deal is approaching its end or your circumstances have changed.
04
↗Large Mortgages
Higher-value borrowing can involve more detailed underwriting, bespoke lender criteria and, in some circumstances, private-bank solutions.
05
↗Self-Employed & Contractors
Mortgage advice for business owners, company directors, sole traders and contractors whose income may require a more considered approach.
06
↗Professional Mortgages
Advice for professionals whose career progression, earnings structure and future income potential may require more considered underwriting.
07
↗Second Homes
Mortgage advice for additional residential property purchases, taking into account your existing commitments, property plans and wider circumstances.
The Intra approach
A mortgage is more than a product search.
The lender that appears most competitive at first glance may not necessarily be the lender most appropriate for your circumstances.
Income structure, employment status, deposit, existing commitments, credit profile, property type, loan size and future plans can all influence how a mortgage application is assessed.
That is why our process starts with a thorough fact-find. Once your adviser understands the wider picture, we can research lender criteria and consider how the application should be structured.
More complex circumstances
When the application needs more than standard underwriting.
Not every client fits neatly into a standard lending profile. Self-employment, contracting, bonus income, overseas earnings, substantial borrowing and unusual property circumstances can all require a more considered lender strategy.
Our role is to understand the details before approaching a lender, helping identify which institutions may be more appropriate for the circumstances involved.
Discuss your circumstances
Lender access
Different lenders. Different criteria.
Lenders do not all assess applications in the same way. Our lender access includes major banks, building societies, specialist mortgage providers and private banks, allowing our advisers to consider different approaches according to the circumstances.
Lender availability and suitability depend on individual circumstances and lending criteria.
How we work
From initial conversation to mortgage completion.
Our advisers and administration team remain involved throughout the process, helping prepare, submit and progress your mortgage application.
Fact-find
Understand
We begin by understanding your income, commitments, deposit, property plans and longer-term objectives.
Lender research
Research
Your adviser considers relevant lender criteria and researches mortgage options appropriate to your circumstances.
Application strategy
Structure
We consider how the borrowing should be structured and how your circumstances should be presented to the lender.
Application
Apply
Once you are ready to proceed, we prepare and submit the application together with the required supporting documentation.
Through to completion
Manage
Our adviser and administration team remain involved through lender queries, valuation, mortgage offer and completion.
Why Intra
Advice supported by people, research and administration.
Our mortgage service combines personal advice with dedicated case support, helping clients navigate both the financial and practical parts of the mortgage process.
01
Adviser-led
Your circumstances are reviewed by a mortgage adviser rather than reduced to an online comparison or automated eligibility check.
02
Broad lender access
Our lender access includes mainstream banks, building societies, specialist mortgage providers and private banks.
03
Complex circumstances
Our team regularly works with clients whose income, residency, borrowing level or property requirements require more detailed consideration.
04
Application support
Dedicated administration supports the progression of your application and communication throughout the mortgage process.
Beyond residential mortgages
Property requirements can extend beyond your main home.
International
↗International clients
UK property finance for foreign nationals, UK expats and clients with overseas income or international circumstances.
Property Finance
↗Buy-to-Let & Investment
Finance for landlords, limited companies, property portfolios and clients building or refinancing property investments.
Specialist Finance
↗Bridging & Specialist Finance
Short-term and specialist property finance where conventional residential mortgage lending may not be appropriate.
Frequently asked questions
Questions about residential mortgages.
These answers are general in nature. Your own borrowing options will depend on your individual circumstances and lender criteria.
01How much could I potentially borrow?
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How much could I potentially borrow?
Borrowing capacity depends on the lender, your income, financial commitments, deposit, credit profile, property and wider circumstances. Different lenders can assess the same client differently, which is why a detailed fact-find is an important starting point.
02How much deposit will I need?
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How much deposit will I need?
The required deposit varies according to the mortgage type, property, lender criteria and your individual circumstances. Generally, a larger deposit can provide access to a wider range of lending options, but your adviser can discuss the position relevant to you.
03Can Intra help if I am self-employed?
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Can Intra help if I am self-employed?
Yes. Lenders use different approaches when assessing self-employed income, including company accounts, tax calculations, salary, dividends and, in some circumstances, retained profits. Understanding how your income is structured can therefore be particularly important.
04Can you help with larger mortgages?
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Can you help with larger mortgages?
Yes. Higher-value borrowing can involve high-street lenders, specialist lenders and private banks. The appropriate route will depend on the loan size, property, income, assets and wider circumstances of the application.
05When should I start looking at a remortgage?
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When should I start looking at a remortgage?
It is generally sensible to review your position before your existing mortgage product ends rather than waiting until the final moment. The appropriate timing depends on your current mortgage, any early repayment charges and the lending options available.
06Do I need to visit an Intra office?
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Do I need to visit an Intra office?
No. Our team can work with clients by telephone, email and remote meetings, as well as through our offices in London, Guildford and Southampton.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loan secured upon it.
Speak with an adviser
Tell us what you are looking to achieve.
Start with a conversation about your circumstances, property plans and borrowing requirements. Our team can then explain the next steps.
enquiries@intra-pf.com