Mortgages
Helping you secure the right mortgage, with clear, straightforward advice.
Whether you’re moving, refinancing or buying your first home, we’ll guide you through each step.
When we can help
Buying your next home
Coming to the end of a fixed rate
Reviewing your current mortgage
Reviewing your current mortgage
Coming to the end of a fixed rate
Reviewing your current mortgage
Coming to the end of a fixed rate
Coming to the end of a fixed rate
Coming to the end of a fixed rate
Buying your first property
Looking to raise funds against your home
Coming to the end of a fixed rate
Looking to raise funds against your home
Looking to raise funds against your home
Looking to raise funds against your home
What we help with
Home movers
First time buyers
Remortgaging
Finding a mortgage that fits your next move and future plans.
Remortgaging
First time buyers
Remortgaging
Reviewing your current deal and exploring better options where available.
First time buyers
First time buyers
First time buyers
Helping you understand what’s possible and guiding you through the process.
Raising funds
Raising funds
First time buyers
Advice for property investors and landlords navigating lending options.
Buy-to-let
Raising funds
Buy-to-let
Advice for property investors and landlords navigating lending options.
What to expect
A clear, structured process from initial conversation through to completion.
We start with a relaxed, no-obligation conversation to understand your situation, your plans and what you’re looking to achieve.
We carry out a detailed review of your circumstances, including income, outgoings, assets and future plans, to ensure any advice is tailored appropriately.
Based on your circumstances, we research and discuss the most suitable options available to you, explaining everything clearly so you can make an informed decision.
Once you’re comfortable with the approach, we provide a personalised mortgage illustration outlining the key terms, costs and monthly payments.
We guide you through the documents required for your application, ensuring everything is in place to avoid delays during the process.
We submit your application to the chosen lender, which will typically include credit checks and detailed underwriting.
We manage communication with the lender throughout, responding to any queries and keeping the application progressing smoothly.
Once the offer is issued, we review it with you to ensure everything is in line with expectations.
Your solicitor will handle the legal work, and we remain involved to support you through to completion.
We stay on hand throughout the process and remain available for any questions or future advice as your circumstances evolve.
Mortgage types and interest rates explained
Repayment (capital & interest)
Repayment (capital & interest)
Repayment (capital & interest)
Your monthly payments cover both the interest and part of the loan, gradually reducing the balance so it is fully repaid at the end of the term
Interest-only
Repayment (capital & interest)
Repayment (capital & interest)
Your monthly payments cover the interest only, with the original loan amount repaid at the end of the term. This can be suitable where a clear repayment strategy is in place.
Fixed rate mortgages
Repayment (capital & interest)
Discounted variable rates
Your interest rate is fixed for a set period, giving you certainty over your monthly payments. .
Discounted variable rates
Discounted variable rates
Discounted variable rates
A variable rate set at a discount to a lender’s standard variable rate for a defined period.
Tracker mortgages
Discounted variable rates
Tracker mortgages
A type of variable rate that follows the Bank of England base rate, usually at a set margin above it.
Not sure which option is right for you?
Harbour Home Finance Ltd an Appointed Representative of Connect IFA Limited which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 1053423. The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies. The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Your property may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be £1,495 or 1% of the loan amount. Harbour Home Finance is registered in England & Wales under number 17008189. Registered address Brooke house, oakley Hill, Poole, United Kingdon, BH21 1RJ. Not all services we offer are covered by the FCA. Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. © 2026 Harbour Home Finance. All rights reserved.