Mortgages

We work completely independently from banks and other lenders so we’re able to compare mortgages from across the market.

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How we work

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What we need to know

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Whether you’re a first time buyer, moving home, looking to remortgage your existing property or investing in Buy-to-Let, we can work with you to source the right mortgage package.

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How we work

If you are a homeowner wishing to release equity from your property we have access to a range of second charge mortgages at very competitive rates.

Choosing the right mortgage can be difficult and time consuming and our service is designed to provide transparent unbiased guidance to help you navigate your way through a range of mortgage options.   We aim to keep things simple, so this is how we like to work with our clients:

Step 1

Initial consultation to understand your requirements

Step 2

We begin our research and gather information

Step 3

We present our recommendations and discuss with you

Step 1

Initial consultation to understand your requirements

Step 2

We begin our research and gather information

Step 3

We present our recommendations and discuss with you

What we need to know about you

As well as asking for basic information such as your age, marital status, income, employment history and existing credit commitments, we’ll also guide you through a range of options to ensure that you get the most suitable deal.

The type of interest rate is one of the most important of these, as this will help you to manage your monthly mortgage repayments now and in the future. We’ll discuss whether a fixed or variable interest rate is right for you and whether you want the flexibility to make additional lump sum payments.

If you’re a first time buyer or just need to brush up on your mortgage knowledge you can find lots of useful information on the Money Advice Service website. (By clicking on this link you will be taken to an external website; Bespoke Mortgages are not responsible for the content of this website) : Mortgages – A Beginner’s Guide

Your home may be repossessed if you do not keep up repayments on your mortgage or another debt secured on it.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority

The Government Help to Buy scheme can enable you to purchase your first home with a deposit of just 5%

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"If you are looking for any type of mortgage, Terry Humphreys is definitely the person to reach out to. I have been fortunate enough to work with him a few times and every time he has been extremely professional. It always hard to find someone who is reliable, knowledgeable and wanting the best for you but fortunately I found Terry. Terry will save you time, money, there is nothing that is too much trouble and he will always got back to you swiftly. If you are looking for a mortgage, look no further than Terry Humphreys"

- Thomas Calnan

"Over the past 8 years I have used Terry's services on several occasions. He is knowledgeable and has a detailed understanding of market conditions and product availability. Terry is very personable and has a complete understanding of what is needed and the required timelines. I would recommend Terry’s services and I will continue to be using them in the future."

- David Brummell

Get a Free No-Obligation Consultation

We offer an initial no-obligation consultation at our expense to see if we can help. Following this, we'll commence our research and will come back to you with our recommendations.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK

Terence Richard Humphreys, trading as Bespoke Mortgages incorporating Terry Humphreys Mortgage Services is an Appointed Representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority