Hearnden Associates has been successfully advising on and arranging mortgages for our clients since the inception of the company in 2000. We offer a complete mortgage service which doesn’t end until you have the keys to your new property or the legalities have been completed on your remortgage.

We have a dedicated mortgage team to assist everyone from first time residential buyers through to experienced commercial landlords. We will guide you through the mortgage process and then navigate you through the conveyancing process post offer.

All mortgage lenders are regulated by the Financial Conduct Authority and, in recent years, they have been required to place far more emphasis on expenditure and affordability than using income multiples. Every mortgage lender has slightly different criteria and by using our specialist knowledge of the individual lenders, the market and current legislation we source the most suitable product for you, therefore saving you time and money.

The buy to let market has also moved on due, in part, to continuing constraints being put upon landlords by parliament. We assist first-time landlords as well as seasoned landlords so are well placed to guide you through the options available.

To find out how much you may be able to borrow please contact us now to arrange to speak to one of our Independent Financial Advisers or to look at costs try our mortgage cost calculator.

The calculator is for guidance only and should not be used as confirmation of how much you may be able to borrow.

Calculate your repayments

Mortgage required £  
Repayment period years
Interest rate    %
Monthly repayment £   
(Interest only) £  
But be careful, at 12% it will be: £   
(Interest only) £   

All initial meetings are free of charge. For mortgage advice, once a course of action is agreed, we charge an administration fee of £295.

Equity Release

We are qualified equity release specialists. Equity release allows you to unlock money from your home while still living there, with no repayment until the property is sold. An equity release mortgage is a lifetime mortgage and, therefore, a lifelong commitment with a number of factors to consider. A lifetime mortgage is a loan secured on your property. Equity release will reduce the value of your estate and may affect your entitlement to certain means tested benefits. Our expert advisers can help find the right solution for your needs. We only recommend providers who are members of the Equity Release Council. Lifetime mortgages are complex products. To understand the risks and features ask for a personalised illustration.

Please be aware that your home or property may be repossessed if you do not keep up repayments on your mortgage.

The guidance and/or advice contained within this website is subject to UK Regulatory regime and is restricted to customers based in the UK.