How much can I borrow for a mortgage?

Most lenders will lend between 4-5.5 times your annual income, though this depends on your circumstances, credit history, and the lender's criteria. As a whole of market broker, we can access lenders offering the most competitive rates for your situation. Contact us for a free affordability assessment.

Can you help with Buy to Let mortgages?

Yes, we specialize in Buy to Let mortgages including portfolio landlords, limited company Buy to Let, and HMO mortgages. We have access to specialist lenders and can help with both new purchases and remortgages.

Are you FCA regulated?

Yes, Domus Finance Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Our FCA registration ensures you receive professional, compliant advice.

Do you work with clients outside Tunbridge Wells?

Absolutely. While we're based in Tunbridge Wells, we work with clients across Kent, London, and throughout the UK. We offer remote consultations via phone, video call, and email, making our services accessible nationwide.

How long does the mortgage process take?

The mortgage process typically takes 4-8 weeks from application to completion, though this varies depending on the lender, property type, and your circumstances. As experienced brokers, we work to expedite the process and keep you informed at every stage.

03316 303 676

info@domusfinance.co.uk

Authorised and regulated by the FCA

Mortgages

For Your Home

Buying your first home, moving to your next one, or reviewing your current deal

We search the whole market — over 100 lenders — to find the right deal for your specific circumstances, then stay in your corner long after you've moved in.

See What You Could Borrow

First Time Buyer Home Mover Remortgage Additional Borrowing Complex Situations Tools

Where Are You Right Now?

Start with your situation — and the tools that help most at that stage.

First Time Buyer

From deposit options and government schemes to lender selection — we guide you through every stage of your first purchase

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Useful tools

Affordability Stamp Duty Cost of Buying Amortisation

Home Mover

Whether you're porting your mortgage or switching lender, we manage the complexity of buying and selling simultaneously

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Useful tools

Cost of Buying Stamp Duty Affordability Amortisation

Remortgage

We track your deal end date and search the full market to make sure you're never paying more than you need to

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Useful tools

Affordability Amortisation

Additional Borrowing

Raise money against your home without necessarily moving — we compare a further advance, remortgaging, and a second charge loan side by side

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Useful tools

Affordability Amortisation

Our Commitment

Your Rate Protection Guarantee

Between your mortgage offer and completion — typically 8 to 12 weeks — we monitor the market every single day.

In volatile markets we've switched clients' deals multiple times before completion, saving thousands in interest.

How the guarantee works

Daily market monitoring

We track rate movements every day until you complete.

Free deal switching

If rates improve, we switch your deal at no extra cost.

Locked-in protection

If rates worsen, you keep the terms we already secured.

Run the Numbers First

Free, instant calculators to help you plan — then we'll run your real figures across 100+ lenders.

Affordability Calculator

See roughly how much you could borrow from your income, commitments and deposit — before you start viewing.

Try it now

Stamp Duty Calculator

Up-to-date rates for England, Scotland and Wales, including first-time buyer relief.

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Cost of Buying Calculator

Every cost of buying — and selling — in one place: tax, legal fees, surveys, removals and more.

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See all mortgage tools

Whole of Market Isn't the Differentiator — This Is

Every whole-of-market broker has access to the same lenders. What changes your outcome is the people using that access.

We train our own

Every adviser goes through our 2-year in-house programme. No bad habits, no shortcuts.

Direct line to decision-makers

Decades of lender relationships mean we talk your case through with the underwriters who decide.

Right first time

Thorough fact-finding and properly packaged cases — and our £399 fee is refunded if no lender says yes.

Still here years later

Many clients have been with us across multiple moves over 10+ years. We check in before your deal ends.

More about how we work

What Our Clients Say

Real reviews from real clients — verified through Working Feedback, which also captures reviews from clients with a Google account.

Reviews verified by Working Feedback — an independent review platform for financial services firms.

Where we come into our own

Self-employed? Adverse credit? An unusual property?

Complex situations are the majority of what we do, not the exception. See every way we can help.

Explore Complex Situations

Common Questions

How much can I borrow?

Most lenders start from around 4.5x income, but specialist lenders we work with go up to 5.5x, 6x or higher for the right profile. Try our Affordability Calculator for an estimate, then we'll run your actual numbers across 100+ lenders.

Do you charge fees for mortgage advice?

Your initial consultation is completely free. A £399 brokering fee applies once you proceed — and it's refunded in full if no lender says yes.

How much deposit do I need as a first time buyer?

5% is the most common starting point, though a small number of lenders go lower. Each threshold — 90%, 85%, 75% loan-to-value — unlocks meaningfully better rates, so we'll show you what saving a little more actually buys you.

When should I start looking to remortgage?

Around 6 months before your current deal ends. Offers are typically valid for 6 months, so locking one in early protects you against rate rises while we keep watching for something better before completion.

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