Residential Mortgage Advice
Helping you buy a place to call home, without the overwhelm
Clear, tailored mortgage advice to guide you through every step of the home-buying process, from first conversation to getting the keys.
Most first calls with a Haupt & Co Mortgage Broker only take 15–20 minutes
No obligation, just clear advice
Who is this for?
Whether you’re buying your first home or moving to your next, we work with employed and self-employed buyers alike, supporting straightforward purchases as well as more complex income structures.
Many of our clients come to us feeling unsure where to start, overwhelmed by conflicting information, or worried that their circumstances might limit their options. We will bring you clarity, explain what’s realistically possible, and guide you through the entire process with ease.
This includes:
- First-time buyers
- Home-movers
- Buyers releasing equity or reviewing their existing mortgage options
- Employed or self-employed applicants
- Straightforward cases and more complex financial situations
Our advice is shaped by experience, not assumptions and always tailored to your long-term plans.
At Haupt & Co, we know that everyone’s situation is different. For many people, the challenge isn’t finding a property – it’s understanding how lenders will view their situation. That’s where experienced advice makes the difference. We take the time to understand your circumstances properly and explain your options clearly, so you can move forward feeling confidence.
Haupt & Co is a whole-of-market mortgage broker, FCA regulated, specialising in simple & complex lending.
What we'll cover in an initial conversation:
- What you could realistically borrow
- Deposit requirements and lender options
- Any potential challenges and solutions
- Clear next steps
No obligation - just straightforward guidance, tailored to your situation.
Most of our clients are referred to us by existing customers
How it Works
At Haupt & Co, we take care of the detail and guide you through each step:
Understand
Research & Advice
Apply
Support
- We take the time to understand your situation, goals and finances
- We research the full market to identify suitable lenders and rates
- We tailor a solution that fits your circumstances
- We secure you a Decision in Principle to confirm borrowing
- We manage the application through to mortgage offer
- We provide you with ongoing support
Our role is to simplify the mortgage process, secure the right solution for your circumstances, and guide you from application to completion.
As well as looking at what you can borrow, we help you decide what makes sense for your life, both now and in the years ahead.
Residential Mortgage FAQs
No two situations are the same. These are some of the questions we’re asked most often.
How much can I borrow?
This depends on your income, outgoings, credit profile and the lender’s affordability criteria. As a guide, many lenders will consider between 4 and 4.5 times your income, but this can be higher or lower depending on your circumstances. We assess this properly and match you with lenders that best suit your situation. We will be able to tell you during an initial call.
What deposit do I need?
Most buyers need a minimum deposit of 5%, although a larger deposit can give you access to better rates and more lender options. The exact amount required will depend on your circumstances, the type of property, and the lender’s criteria – all of which we’ll talk you through clearly.
Can I still buy with bad credit?
In many cases, yes. Lenders view credit issues differently depending on the type, severity and how recent they are. We regularly help clients with missed payments, defaults or CCJs by matching them with lenders who take a more flexible, case-by-case approach.
How long does the mortgage process take?
From application to mortgage offer, the process typically takes 2 to 6 weeks, depending on the lender, valuation and complexity of the case. We manage the process for you and keep everything moving, with clear updates at every stage.
When should I speak to a mortgage adviser?
Ideally, before you start viewing properties. An early conversation can help you understand your budget, feel more confident, and avoid delays later.
Will speaking to an adviser commit me to anything?
No. An initial conversation is simply about understanding your situation and exploring your options – there’s no obligation to proceed.