Friendly, professional mortgage advice tailored to homebuyers and homeowners in the Hinckley area
Our Services
Buying your first home in Hinckley can feel daunting. We guide you through each step, explain your options clearly, and help you find a mortgage that suits both your budget and lifestyle.
Whether your current deal is ending or you want to release equity, we explore the market to find a remortgage that could save you money or provide extra flexibility.
Planning to move within Hinckley or nearby areas? We’ll handle the mortgage process for you, from porting an existing deal to securing a new one, making your move as smooth as possible.
Interested in investing in Hinckley property? We help first-time landlords and seasoned investors find buy to let mortgages that match your investment goals.
At Tom Garvie Mortgage Services, we specialise in supporting homebuyers and homeowners in Hinckley. From first-time buyers to property investors, our team delivers clear, practical advice and handles the mortgage process efficiently so you can focus on your new home.
Whole Of Market Access
We don’t just offer one lender’s products. By searching the whole market, including high-street banks, specialist lenders, and exclusive broker-only deals, we find the mortgage that’s right for you. This approach saves time, reduces stress, and can save you money over the long term.
If you’re looking for independent, professional mortgage advice in Hinckley, contact us today.
Other Services
A mortgage is a major financial commitment, and having the right protection is crucial. Life Insurance covers your mortgage and living costs in the event of death. Critical Illness Cover provides financial support if you face a serious illness, allowing you to focus on recovery. Income Protection ensures a regular income if you can’t work due to illness or injury. We customise protection plans to your circumstances, giving you confidence that your home and finances are secure.
5 Star Service
The majority of lenders will ask for five to ten percent, but your deposit may vary depending on the property and your financial situation.
Yes some government schemes and local initiatives can support first time buyers in Hinckley to help you get on the property ladder sooner.
We will review your income outgoings and credit profile to work out a realistic budget for your first home.
It is recommended. Having one shows sellers you are serious and gives you a clear idea of what you can borrow.
Ideally three to six months before your current deal ends to avoid paying higher rates.
Yes many homeowners in Hinckley remortgage to fund renovations consolidate debt or make other financial plans.
Some lenders charge fees but we help you identify the most cost effective options for your situation.
Often yes this is called porting. If not we can find a new deal suited to your next property.
Not necessarily. Your current property equity may cover your deposit on your new home.
It is similar to buying your first property but we also coordinate selling your existing home and securing your new mortgage efficiently.
Yes! We offer our services across the UK, including towns local to Hinckley such as Nuneaton, Market Bosworth and Lutterworth.
Typically twenty five percent though it varies depending on the lender and property type.
Most lenders expect you to be a homeowner before taking on a buy to let mortgage.
It is based on projected rental income rather than personal income.
No these mortgages are designed for rental properties only.