Residential Mortgages

Your home may be repossessed if you do not keep up repayments on your mortgage.

Residential Mortgages

The right mortgage for you

Moving home is something you’ll only usually do a few times in your life. For many reasons, buying your first or next home can be a stressful experience, so it’s good to know that Heritage Estates are available to help. We’ll answer any questions that you might have, and help you with the process of getting the right residential mortgage for your home and circumstances.

Personal Service

We offer a personal service that takes into account your individual requirements. Since everyone’s financial situation is unique, we’ll work with you to understand your goals, and make financial recommendations based on a comprehensive and careful analysis of your circumstances.

Whole of Market Advisor

Heritage Estates have access to the whole of market; this means we’re not tied to a specific lender.

How We Work

  • Firstly, we’ll arrange a no-obligation consultation at your convenience, to discuss your requirements.
  • We’ll discuss your existing borrowing and obligations, and look at the appropriate mortgage products available for your new home from a wide range of lenders.
  • Before applying for a mortgage product, we can do calculations to show you the monthly and lifetime costs of a mortgage to check its affordability.
  • When you’re happy with a particular mortgage product, we can help you with the application and get an “agreement in principle” from the lender.
  • We’re available for you to contact should you have a question about your mortgage at a later date.

Our Commitment To You

  • Saving you money

    We’ll help to ensure you don’t waste money unnecessarily by paying a higher monthly amount than you need to for your mortgage.

  • Saving you time

    We’ll help to save your time and effort by recommending only the most appropriate solutions for your circumstances. We can also advise which lenders you are more likely to be accepted by, so that you don’t apply for mortgage products unnecessarily.

  • Guiding you through the process

    How much will a mortgage cost? Can I afford it? What deposit will I need? We’re on hand to answer any questions you might have, and help you to apply for the appropriate mortgage in a smooth and easy manner.