Professional mortgage advice for homebuyers and homeowners in Leicester
Our Services
Buying your first home in Leicester 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 to Leicester 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 Leicester? 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 Leicester. 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.
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 Leicester, contact us today.
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.
Yes some lenders accept deposits as low as five percent, but your options may be wider with a larger deposit or government help schemes.
Yes there are government schemes and council-backed initiatives aimed at making home ownership more accessible for first time buyers.
We assess your income outgoings and long-term goals to recommend a mortgage that suits both your budget and lifestyle.
It is highly recommended. It gives you a clear borrowing limit and shows sellers you are prepared to proceed.
Remortgaging can help you get a better interest rate release equity for home improvements or consolidate other debts.
Yes you can often move to a new lender to secure a more competitive rate or better mortgage terms.
Some deals may have fees, but we help you identify cost effective options and make the process straightforward.
If you are moving within the same lender you may be able to transfer your mortgage. Otherwise we can help you find a new deal for your next property.
There may be fees for surveys or legal costs, but your deposit may already cover part of these expenses.
The process is similar to buying a first property but also includes coordinating the sale of your current home to make the move smooth.
Yes some lenders offer mortgages to first time landlords, although they may have stricter criteria than standard mortgages.
Affordability is usually based on projected rental income rather than your personal salary to ensure the property generates enough to cover the mortgage.
As with any investment, rental income may fluctuate and property values can change. We help you assess the best options for your situation.
No lenders expect these properties to be rented out rather than occupied by the owner.
