Residential Mortgages
Find the right residential mortgage path for your circumstances
Over 200 UK lenders
Tailored advice
Step-by-step support
Amir Shojaee
Director and Founder of PBSBrokers
CeMAP Qualified Mortgage Adviser
Residential Mortgage Types
Whether you are buying for the first time, moving to a new home, remortgaging your current property, or exploring a specialist route, we offer support across a full range of residential mortgage types. Each option comes with different lender criteria, deposit requirements, and suitability factors, so the first step is understanding which path fits your circumstances.
First-time Buyer
Buying your first home can feel overwhelming, but the right mortgage makes the process much clearer. We help you understand deposit requirements, affordability checks, and the options available to first-time buyers.
Moving Home
If you are upsizing, downsizing, or relocating, a moving home mortgage can help you transition smoothly to your next property. We guide you through porting, borrowing, and timing considerations.
Remortgage
A remortgage can help you switch to a better deal, adjust your mortgage term, or release equity from your property. We compare suitable options based on your current situation and future plans.
Shared Ownership
Shared Ownership can be a practical route if you want to buy a share of a property and pay rent on the rest. We help you understand how the mortgage works and what lenders look for.
New Build
Buying a new build property can involve different lender criteria and timelines. We support buyers looking for mortgage options that work with new build homes and developer arrangements.
Right to Buy
If you are eligible to purchase your council home through Right to Buy, we can help you understand the mortgage process and the financial steps involved.
No Deposit Mortgage
If you are exploring options with little or no deposit, we can help you understand specialist routes that may be available depending on lender criteria and affordability.
Low Deposit Mortgage
A low deposit mortgage can be a suitable option for buyers who have not yet built a large deposit but are ready to move forward. We help you compare products that may fit your budget and profile.
Why Choose PBSBrokers?
Finding the right residential mortgage isn’t just about the rate—it’s about finding a lender and a product that truly fits your unique financial circumstances and long-term goals.
At PBSBrokers, we combine deep market knowledge with a personal approach to guide you through the complexities of the UK mortgage market.
CeMAP Qualified Mortgage Adviser
Amir Shojaee
You Asked. We Answered.
If you are comparing residential mortgage options, it is natural to have questions about deposits, eligibility, lender criteria, and the type of mortgage that may suit you best. Here are some of the questions buyers ask most often.
A residential mortgage is a loan used to buy a property that you plan to live in yourself. In the UK, residential mortgages come in different forms depending on whether you are a first-time buyer, moving home, remortgaging, or applying through a specialist route.
The right option depends on your deposit, income, credit profile, property type, and future plans. For example, a first-time buyer may need a different route from someone remortgaging or buying a new build property.
In some cases, yes. There are mortgage options designed for buyers with a smaller deposit, although eligibility will depend on affordability, lender criteria, and the type of property you want to buy.
In some cases, yes. There are mortgage options designed for buyers with a smaller deposit, although eligibility will depend on affordability, lender criteria, and the type of property you want to buy.
Yes. We support clients who are buying their next home, reviewing their current mortgage deal, switching lender, or exploring ways to release equity where suitable.
Yes. We can help with a range of specialist residential mortgage routes, including Shared Ownership, Right to Buy, New Build, Self-Build, and low deposit options.
Not necessarily. Speaking to a mortgage adviser can help you compare a broader range of options, including lenders and products you may not have considered on your own.
The best first step is to speak to an adviser about your goals, budget, and timeline. That makes it easier to identify which residential mortgage route may be the best fit for you.
