Residential Mortgages

Whether you’re aiming to get on to the property ladder for the first time, are looking to move house or remortgage, we can help.

As a specialist mortgage brokerage, we can not only offer you great products from well-known high-street banks, but can also help you when your circumstances don’t fit so neatly into a box.

Speak with a consultant

Our team of 40+ consultants have a wealth of experience in the industry and are here to assist with a wide range of different scenarios such as:

Self-employed/complex employment status
Unusual property types and listed properties
Self-build
Adverse credit status
Expat status

We can also help with additional borrowing – see Second Charge Mortgages.

Case Studies

First time buyer with complex income

A first-time buyer approached Dynamo eager to purchase their own home after years of renting in London. As a midwife with additional nursing bank income, their case was complex, compounded by a CCJ for a parking ticket. Many lenders view nursing bank income as unreliable as it can be withdrawn at any time, but Dynamo work with lenders who would take this income into account and ignore the CCJ. Through careful analysis of their finances, we were able to secure a mortgage, helping them achieve their dream home. (November 2024)

Consultant: Philip Rahman

First time buyer with adverse credit

A first-time buyer client came to us looking to purchase a property with a 10% deposit, however they did also have a history containing some adverse credit. Many lenders would be hesitant to proceed under these circumstances, but due to our expertise and great relationships we were able to source a lender that would ignore the adverse as it was more than 3 years ago and also offer enhanced affordability. The client was left relieved and happy as the application completed and they have successfully purchased their first home. (September 2024)

Consultant: Tariq Olaifa

Later life lending

Our retired client was looking to remortgage their residential property, but the challenge was that their income evidence was a pension and investments. The income filed was insufficient for most lenders as it fell outside of the standard 4.5 x income. We were able to re-structure the loan on an interest-only basis with the equity in the property as a repayment vehicle, alongside their other investment pots. We were able to release enough funds to pay the existing mortgage provider thereby saving our client from their standard variable rate. (August 2024)

Consultant: Phillip Rahman

Residential mortgage calculator

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How much would you like to borrow? Please enter a valid value Please enter a valid value

Mortgage interest rate (%)** Please enter a valid value Please enter a valid value

Length of mortgage (years) Please enter length of term Please enter length of term

Mortgage type?

Repayment

Interest only

Estimated monthly payment*

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*Please be aware, these results are for illustrative purposes only and should not be considered as a mortgage quote. Lender fees may also be applicable.

If selecting ‘Repayment’ as your mortgage type:

The estimated monthly payment is based on a repayment mortgage and may vary depending on the term and interest rate of your mortgage.

If selecting ‘Interest only’ as your mortgage type:

Monthly repayment consists of chargeable interest only. There is no monthly capital payment for this type of mortgage. As no capital repayments are made during the term of the mortgage, monthly costs are lower, however you will not be reducing the balance of the mortgage and the equity in your home or property will be dependent on increases or decreases in market prices. Suitable in limited circumstances for people who do not wish to repay the capital until the end of the mortgage term. Repayment of the loan is self-managed by you and would usually be paid from proceeds of the sale of your home/property, inheritance, savings or investments. This type of mortgage is not accepted by all lenders. Lenders who offer this type of mortgage may require a repayment vehicle to repay the balance at the end of the term. If the proceeds of your repayment vehicle don’t cover the full amount of your mortgage, you will be responsible for paying the difference.

** The 4.7% annual interest rate is based on the Connells Group average mortgage interest rate taken from the period of 01/01/2024 – 01/03/2024 and is correct as at 07/03/2024.