Mortgages
Helping you secure the right mortgage, with clear, straightforward advice.
Whether you’re a first time buyer, refinancing, or remortgaging your current home, we’ll guide you through each step of the different mortgage types available.
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
Mortgage advice for your next move, whether you’re buying a larger home, downsizing or relocating. We help you explore transferring your existing mortgage or arranging a new deal to suit your plans.
Remortgaging
First time buyers
Remortgaging
Reviewing your mortgage when your current deal ends or your circumstances change. We compare options from your existing lender and other lenders, taking account of rates, fees and any early repayment charges.
First time buyers
First time buyers
First time buyers
Clear guidance on deposits, affordability and buying your first home. We explain your mortgage options and support you from the initial application through to completion.
Raising funds
Raising funds
First time buyers
Exploring ways to borrow against your home for improvements, family support or other planned expenses. We assess the available options, costs and affordability to help you make an informed decision.
Buy-to-let
Raising funds
Buy-to-let
Mortgage advice for landlords buying a rental property, refinancing an existing investment or growing a portfolio. We help you navigate lender requirements, rental income assessments and borrowing options.
Mortgage Advice for all mortgage types, including remortgaging
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 the interest and gradually repay the amount borrowed. Provided you make all required payments, your mortgage will be repaid in full by the end of the agreed term.
Interest-only
Repayment (capital & interest)
Repayment (capital & interest)
Your monthly payments cover the interest, whilst the original loan remains outstanding. You will need a credible repayment strategy, acceptable to the lender, to repay the balance at the end of the mortgage term.
Fixed rate mortgages
Repayment (capital & interest)
Discounted variable rates
Your interest rate stays the same for an agreed period, keeping your monthly mortgage payments predictable. Early repayment charges may apply if you repay or switch your mortgage during this period.
Discounted variable rates
Discounted variable rates
Discounted variable rates
Your interest rate is set at a discount to the lender’s standard variable rate for an agreed period. Your payments can rise or fall when the lender changes that rate, which does not necessarily move in line with the Bank of England base rate.
Tracker mortgages
Discounted variable rates
Tracker mortgages
Your interest rate follows a specified benchmark, usually the Bank of England base rate, plus an agreed margin. Your payments can rise or fall as that benchmark changes, subject to any minimum rate set by the lender.
Not sure which option is right for you?
Oakley Hill, Poole, Oakley, Wimborne, Dorset BH21 1RJ, UK
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 KingdoM, 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.