skip to main content
terraced-houses-in-a-row

Mortgages

We are an independent mortgage advice brokerage based in South Wales and pride ourselves on finding the most suitable mortgage product for you, whatever your stage in life.

Meeting Your Needs

Your needs and dreams are unique, so our mortgage advisor team always strive to make sure the service we offer you is unique, too. You're more than just a client or customer to us, and so we take special care to ensure you get the right mortgage for you. Our mortgage advice brokerage takes the time to understand your financial situation, long-term goals, and personal preferences before recommending any products, ensuring that the solution we provide truly fits your lifestyle and budget.

Our mortgage broker Swansea team are able to act for you no matter who you are buying from, be it an estate agent, family member, friend or even colleague. We work on your behalf, offering independent advice and access to a wide range of lenders to help secure competitive rates and suitable terms. Our focus is always on protecting your interests and helping you make confident, informed decisions.

Types Of Mortgages

We offer a wide range of mortgage solutions from first time buyer, buy to let, residential mortgage and even mortgages designed for professionals. No matter how straightforward or complex your situation may be, we are committed to finding a solution that works for you and supporting you throughout the entire application process, right through to completion.

Frequently Asked Questions

Why should I use a mortgage adviser instead of going directly to a lender?

A mortgage broker can compare products from a wide range of lenders to help find a mortgage suited to your circumstances. At Sturgess Mortgage Solutions, we provide tailored mortgage advice UK clients can rely on, helping simplify the process and supporting you from application through to completion.

Can you help first-time buyers?

Of course we can! We regularly provide mortgage advice for first time buyers and understand that purchasing your first home can feel overwhelming. Our team will guide you through each stage of the process, explain your options clearly, and help you understand what you can realistically afford.

Do you offer buy to let mortgage advice?

Yes, our team includes experienced advisers who can support both new and experienced landlords. Whether you are purchasing your first investment property or growing an existing portfolio, a buy to let mortgage advisor can help you compare suitable products and understand lender requirements.

What is an interest only mortgage?

An interest only mortgage allows borrowers to pay only the interest on the loan during the mortgage term, with the original balance repaid at the end. An experienced interest only mortgage broker can help assess whether this type of mortgage is appropriate for your circumstances and repayment strategy.

Do you charge fees?

We don’t charge anything upfront. Our fee is only payable once your mortgage offer is secured. We’ll always be open and honest about any costs.

I’m a first-time buyer – where do I start?

Start with a chat! We’ll walk you through deposit options, how much you can borrow, and get you a Decision in Principle, so you’re ready to make offers with confidence.

What’s a Decision in Principle (DIP)?

A DIP is a lender’s initial agreement to lend based on your financial info – it’s useful when viewing homes and often required to make an offer.

Can I use a Help to Buy or Lifetime ISA?

Yes – we can help you use your government savings schemes towards your deposit and guide you through the process.

What if my circumstances have changed?

No problem – we’ll review your options whether your income, property value, or goals have shifted. There's usually a solution we can explore.

Do I need Life Insurance with my mortgage?

It’s not a legal requirement – but it’s highly recommended. Life Insurance can repay the mortgage if you pass away, giving your loved ones peace of mind.

What’s the difference between Critical Illness Cover and Income Protection?

  • Critical Illness pays a lump sum if you're diagnosed with a listed serious condition.

  • Income Protection pays a monthly benefit if you can't work due to any illness or injury – not just serious conditions.

We’ll explain which cover is right for your situation.

What if I’ve been declined elsewhere?

Don’t worry – we work with a wide range of lenders, including those who specialise in complex cases or poor credit. Let’s take a fresh look together.

Welsh Enterprise Awards AMI SMP Three Best Rated Vouched For 2024 Cornerstone Best Mortgage broker in Swansea