Friendly, expert mortgage advice tailored to Nuneaton homebuyers and homeowners
Our Services
Getting your first home in Nuneaton can feel overwhelming. We’ll guide you through the process, explain your options clearly, and help you secure a deal that suits your budget.
Whether your current deal is ending or you want to release equity, we’ll compare the market to find a remortgage that could save you money.
If you’re planning a move locally, we’ll take care of the mortgage side for you. From porting your deal to finding a new one, we’ll keep things simple.
Thinking about investing in property in Nuneaton? We’ll help you find the right buy to let mortgage, whether you’re a first-time landlord or growing your portfolio.
Why Choose Us?
At Tom Garvie Mortgage Services, we specialise in helping homebuyers and homeowners in Nuneaton find the perfect mortgage. Whether you’re a first-time buyer, remortgaging, or investing in property, our expert mortgage advisors are here to guide you every step of the way.
Whole Of Market Access
Unlike banks that offer only their own products, we search the entire mortgage market to find the best deal for you. With access to high-street banks, specialist lenders, and exclusive broker-only deals, we tailor solutions to your needs. This saves you time, hassle, and potentially thousands over the life of your mortgage.
If you’re looking for expert, unbiased mortgage advice in Nuneaton, get in touch with us today.
A mortgage is a significant financial commitment, and having the right protection in place ensures you and your loved ones are financially secure if the unexpected happens. Life Insurance provides a lump sum to cover mortgage payments and living costs in the event of your passing, while Critical Illness Cover offers financial support if you’re diagnosed with a serious illness, allowing you to focus on recovery. Income Protection ensures you continue to receive a regular income if you’re unable to work due to illness or injury, helping you maintain financial stability. We tailor protection plans to suit your individual needs, giving you peace of mind that your home and finances are secure.
5 Star Service
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Did You Know?
Our Most Frequently Asked Questions
Most lenders ask for at least 5 to 10 percent, but the bigger your deposit, the better your mortgage options.
Yes, options like gifted deposits from family or government schemes such as Help to Buy can help boost your chances.
We’ll look at your income, outgoings, and credit history to give you a clear picture of what’s affordable.
It’s strongly recommended, it shows sellers and estate agents you’re serious and financially prepared.
It’s best to review your deal three to six months before your current one ends to avoid moving onto a higher variable rate.
Yes, many people remortgage to fund home improvements, consolidate debts, or cover large expenses.
Some lenders charge arrangement or exit fees, but we guide you through the costs and look for fee free options where possible.
We work with you to find a lender that suits your current situation, whether your income, credit, or job has changed.
In many cases yes, this is called porting your mortgage. If not, we’ll find you a new deal that works for your move.
Not always. Your equity in your current property can often act as your deposit for the new one.
It’s similar to buying for the first time, but we also help you coordinate the sale of your current property alongside the new purchase.
Absolutely. We assess your affordability and help you secure the right mortgage for a bigger home.
Yes, we cover other local areas such as Hinckley, Atherstone and Leicester as well as offering a UK wide service.
Most lenders require at least 25 percent, though some may accept less if you meet their criteria.
In most cases yes, lenders usually want you to be a homeowner before taking on a buy to let mortgage.
Lenders base it on the expected rental income from the property rather than just your personal income.
No, buy to let mortgages are strictly for rental purposes. If your plans change, you’d need to switch to a residential mortgage.
