Residential Mortgage

Secure Your Ideal Home with the Right Financing.

Residential mortgages are designed for individuals purchasing their primary home or a secondary personal residence. Whether you’re moving into your first flat or upgrading to a larger property, Matwill Capital helps you navigate your home financing with confidence.

Benefits

  • Access competitive residential mortgage rates

  • Fixed-rate and tracker options available

  • Flexible repayment terms to suit your needs

  • Tailored advice for salaried and self-employed clients

  • Professional support from application to completion

What Is a Residential Mortgage?

A residential mortgage is a loan secured against a property that you plan to live in. It enables individuals and families to purchase a home or refinance an existing one by borrowing a portion of the property’s value from a lender.

Residential Mortgages Can Be Used For:

  • Buying your first home

  • Moving to a new home

  • Remortgaging for better rates or to release equity

  • Shared ownership or government-backed schemes (e.g. Help to Buy)

Mortgage Types Include:

  • Repayment mortgages (most common)

  • Fixed rate or tracker rate products

  • Offset or interest-only (in limited cases)

Why It Matters

A mortgage is likely the largest financial commitment you’ll ever make. Choosing the wrong product — or misunderstanding the terms — can cost you thousands in interest, fees, or repayment issues.

Expert mortgage advice helps you:

  • Access competitive interest rates

  • Understand fees, loan structures, and term options

  • Secure approval with your income and credit profile

  • Align your loan with long-term lifestyle and financial goals

  • Remortgage when your fixed rate ends, avoiding payment shocks

In a volatile market, personalised mortgage advice gives you clarity — and peace of mind.

Who Needs This Service?

Residential mortgage advice is essential for:

  • First-time buyers navigating deposits and affordability checks

  • Home movers looking to port or increase their mortgage

  • Remortgagers exploring better rates or raising capital

  • Self-employed applicants or those with complex income

  • Buyers with low deposits or family support (e.g. gifted deposit)

  • Expats returning to the UK or foreign nationals buying a UK home

Whether you’re stepping onto the ladder or reviewing your current deal, we help you get it right — the first time.

How Does the Process Work?

At Matwill Capital, we guide clients through a smooth, tailored mortgage journey in five clear steps:

  1. Initial Consultation
    We assess your income, deposit, credit profile, and property goals to determine your borrowing potential and mortgage eligibility.

  2. Mortgage Strategy
    We compare lender criteria and product options — including fixed vs tracker, term length, and early repayment terms — and recommend the most suitable route.

  3. Application Preparation
    We help you gather all required documents (proof of income, ID, bank statements) and package your application to maximise approval chances.

  4. Submission & Lender Liaison
    We manage communication with the lender, resolve any underwriting queries, and monitor timelines through to mortgage offer.

  5. Post-Offer Support
    We stay involved through completion, and remind you before your fixed term ends to review remortgage opportunities.

Client Success Story

From Freelance Uncertainty to First Home Ownership

Emma, a freelance designer with a mix of PAYE and self-employed income, was told by her bank she “didn’t meet the criteria” for a mortgage.

Matwill Capital reviewed her earnings over two years, helped her consolidate income evidence, and matched her with a lender that accepted hybrid income profiles.

She secured a 90% LTV mortgage with a 5-year fixed rate — and bought her first flat in South London.

“Everywhere else said no. Matwill actually listened, and helped me prove my case. I still can’t believe I’m a homeowner now.”
— Emma H., London

Frequently Asked Questions

How much deposit do I need?
Most lenders require at least 5–10%. For better rates, aim for 15–25%. We’ll help you plan based on your goals and budget.

Can I get a mortgage if I’m self-employed?
Yes. You’ll typically need two years of accounts or SA302s, but we have access to lenders who specialise in non-standard income.

What is an Agreement in Principle (AIP)?
It’s a conditional pre-approval from a lender showing how much you could borrow — useful before making an offer on a property.

How long does the mortgage process take?
From AIP to completion typically takes 6–10 weeks. Complex cases may take longer. We monitor progress every step of the way.

Do you charge broker fees?
We offer a transparent fee structure. In many cases, we receive commission from the lender — and charge no additional client fee. Where fees apply, we explain this upfront.

Why Choose Matwill Capital?

  • Whole-of-market access — including specialist and high-street lenders

  • Experience with first-time buyers, freelancers, and expats

  • Clarity on products, risks, fees, and timelines

  • Multilingual support for Mandarin-speaking clients

  • FCA-authorised advice and long-term relationship management

Ready to Fund Your Project?

Your Home. Your Mortgage. Done Right.
Let’s take the guesswork out of the biggest purchase of your life.

We’re here to guide, compare, and secure the deal that fits you best.