Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate Buy to Let Mortgages.

Here at Sterling, our team of mortgage advisers work with our customers to help them achieve their aims, whatever they may be.

You might want to:

  • Buy your first home.
  • Improve or extend your existing home.
  • Move to a bigger home.
  • Save money on your mortgage payments.
  • Reduce the term of your mortgage by paying less interest
  • Get onto the ‘buy to let’ property ladder.

Whatever you would like to do… we are here to help.

We provide high quality, personal mortgage advice which is designed to help you on your way. We work for you, not the mortgage lenders and we aim to get you the most suitable deal, based on your circumstances.

We are whole of market mortgage brokers

Our mortgage advisers specialise in mortgage broking and protecting your mortgage. It’s what they do. They are not ‘jack of all trades’ advisers. They don’t advise on pensions and investments. They don’t advise on trusts and inheritance tax planning. They deal in mortgages all day and every day. They are mortgage professionals. (Please see the pensions and investment pages of the Sterling website for access to our specialist financial advisers for those services.)

We have access to a wide range of deals on the market, including exclusive deals not available on the open market. We now also offer advice on deals from HSBC Bank. We can advise you on just which of the thousands of deals out there is the most appropriate for you and your circumstances. No two house buyers are the same and we can filter through the thousands of mortgage deals available to get the right one for you. You might be better with a mortgage from a high street lender. Alternatively your specific circumstances may mean that a small regional lender offers the most suitable rates. Whatever your circumstances, we aim to get you the most suitable deal available. We work with you over the long term to review your options as time passes and work to keep you on great deals.

Importantly, we will only recommend to you, what we would do ourselves in the same set of circumstances. That way, you will always know you are getting the right advice.

If you are a FIRST TIME BUYER you will want the lowest interest rate possible. You might also want a deal which only needs a 5% deposit. It could be that you need a 100% mortgage and have a parent who can help. You might need a cashback to assist with stamp duty and solicitor’s fees. You may want free legal fees and free valuation. Whatever it is that you want, we’ll listen carefully to you and guide you to the very right deal we can for your particular circumstances.

If you are a HOME MOVER, we can help by searching the whole market for the mortgage deal that suits you and your circumstances. Lowest interest rate, free valuation, free legal fees etc, we will look to find the deal that is right for you. If you need to release some cash to assist with improvements to your new home, we can work on that for you. If you need a speedy response to keep up with the buying ‘chain’, we’ll do our utmost to help. Our re-mortgage business is based on giving great service.

If you are looking to SAVE MONEY ON YOUR MORTGAGE PAYMENTS, we can help by guiding you to the most appropriate re-mortgage deal. Interest rates are generally low at this time. Mortgage providers are looking for business and are offering really attractive deals. We’ll search the whole market to find the most suitable re-mortgage deal for you to save you money. If you are currently on your lender’s standard variable rate, there may well be deals available which will save you money. If your mortgage deal is coming to an end, you should be looking at what the whole market can offer and not simply taking a new mortgage with your existing lender. Ask us to show you just what is available to you and show you just how much you can save on your mortgage payments by working with Sterling. Ask us to show you how, with a lower interest rate mortgage, we can reduce the term of your mortgage. Some of our customers prefer this option to reducing their payments. So the choice is yours, lower payments today, or reduced mortgage term!

Whatever you are looking to do, our mortgage team are here to help.

They are dedicated professionals who work on mortgage broking full time and know the mortgage market and its changing circumstances very well.

We offer a free initial mortgage review

Ask us for your mortgage free initial review. It’s there waiting for you now!

We will talk to you to find out what you are looking for. We’ll give you a factual, open and honest review of your existing mortgage. We’ll also offer you advice and tell you about the mortgages on offer which meet your needs. We’ll give you details of the most suitable deal we can source for you and a written quotation to allow you to see the detail. You can then see for yourself how the new mortgage ‘stacks up’.

At Sterling, we can add real value by working on your behalf (not the lender’s). All mortgage lenders operate differently and are unique in their requirements. We know the lenders, we know their very particular criteria and we can steer you to the lender most likely to grant you that very important mortgage. It is not in your interest to apply for a mortgage which is then subsequently turned down by the lender. At best that is frustrating. At worst, you could lose the home of your dreams. Our practical experience pays dividends here.

If you have a credit history which is not perfect, don’t despair. Talk to us. We have access to a number of lenders who specialise in customers whose credit history is not perfect. So if you have a history of missed payments, or CCJs and want a mortgage please do call us. We may well be able to help.

If you are self-employed we can very likely help. We have access to mortgage lenders who will offer mortgages to self -employed people. Currently, we have a lender who requires only 1 year’s self-employed accounts in certain circumstances. We also have access to lenders who will take retained profits into account. Talk to us about your circumstances and we’ll show you how we can help.

To get the most suitable mortgage deal, you need an ‘edge’… and you need a mortgage adviser who works as your agent to guide you through the maze of mortgages on offer. We work for our customers… not the banks or building societies… and our job is to get the mortgage for you ….and save you time and effort and stress.

We not only source the right mortgage for you. We work to provide you with a Decision in Principle (DIP) wherever possible, so that you can move ahead and offer on your new home, knowing that the mortgage we have discussed is possible. (subject to formal application). This DIP will help you when looking for a house because estate agents will look favourably on you, knowing that the DIP indicates you are ready to move with a lender who has agreed to help you in principle. This can be a real advantage, if and when you are competing with others to buy a house.

Then, we work with you to make the formal application for your mortgage when the time is right. The application process is complex and the lender’s requirements must be satisfied absolutely. Each lender has different requirements. We’ll work between you and the lender so you don’t need to. We’ll apply on your behalf and we’ll provide all the responses to your lender’s questions and requests on your behalf. We’ll guide you all the way. In short, we make the stressful task of applying for a mortgage easy.

We are there for you from the start of the process, right through to the point where your lender provides to you a written offer. We’ll also be there for you when your new mortgage deal is about to expire. We’ll call you approximately 3 months before the due date and search the market for new deals to suit your needs at that time. We are here to help both now and in the future.

As a mortgage broking team within Sterling Partnership, we are here for the long term. As a Sterling customer, we can help you to protect your mortgage and your income. We can also help you with life insurance and critical illness cover.

Sterling Partnership are financial advisers as well as mortgage brokers and so our other specialist advisers can help you to save money for future needs and for retirement. Ask us for details of the other services that Sterling provides.

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

Talk to us about what you want to achieve. We will happily explain to you just how we would approach your requirements. Take advantage of our free initial, no obligation, mortgage consultation. We think you will like our straightforward approach.

Complete the form at the top right of this page for a call-back or e-mail and one of our independent mortgage advisers will make contact with you. Alternatively visit our contact page (find this via the toolbar at the top of this page).

Alternatively, call us on 01482 863127
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Sterling Partnership Limited. Registered in England and Wales, under no. 04645697. Registered office address – 9 Flemingate, Beverley, East Yorkshire, HU17 0NP

Sterling Partnership Limited is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA register ( under reference 440703 and 440718

The Financial Conduct Authority does not regulate on buy to let or commercial mortgages.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.