Mortgage Advice for First-Time Buyers, Homeowners and Property Investors
Whether you are buying your first home, reviewing your existing mortgage, purchasing a buy-to-let property or considering a let-to-buy mortgage, Capital Advice provides clear, personalised guidance throughout the mortgage process.
Talk to a Mortgage Adviser
Tell us what you need help with and we’ll contact you to discuss your circumstances. By submitting your enquiry, you acknowledge that Capital Advice, a trading style of Orchard Financial Solutions Ltd, will use your information to respond to your enquiry in accordance with our Privacy Policy.
Mortgage Advice Built Around Your Circumstances
Clear guidance across the four core mortgage services we provide.
First-time buyer, remortgage, buy-to-let and let-to-buy advice.
Personal support from your initial enquiry through the mortgage process.
A clear four-step approach from initial conversation to application support.
Clear Mortgage Advice From First Conversation to Completion
Mortgages can involve unfamiliar terminology, lender criteria, affordability checks and paperwork. Capital Advice helps make the process easier to understand.
We take time to understand your circumstances before explaining the mortgage options relevant to you. Whether you are buying for the first time, reviewing your current mortgage or considering an investment property, you will have guidance throughout the process.
First-Time Buyer Mortgages
Understand deposits, affordability and the steps involved in buying your first home.
Remortgage Advice
Review your current mortgage, upcoming deal end and options based on your circumstances.
Buy-to-Let Mortgages
Guidance for landlords buying a rental property or reviewing their property finance.
Let-to-Buy Mortgages
Mortgage guidance if you plan to move home while keeping your existing property to rent.
Why Choose Capital Advice?
How Our Mortgage Advice Process Works
A clear four-step approach designed to help you understand what happens from your first conversation through to application support.
Initial Conversation
We discuss your circumstances, property plans, income, deposit and what you want to achieve.
Research & Assessment
We review the relevant mortgage options and lending criteria based on the information you provide.
Recommendation
We explain the recommended mortgage solution, key features and important considerations before you decide how to proceed.
Application Support
If you decide to proceed, we help with the application and keep you updated as it progresses.
Mortgage Advice Built Around You
Every mortgage journey is different. We take time to understand where you are now, what you want to achieve and the type of mortgage support you need.
Our aim is to help you understand the options relevant to your circumstances and feel informed about the decisions ahead.
Mortgage Support for Real-Life Situations
Explore common situations where early mortgage guidance can help.
Frequently Asked Questions
Clear answers to common questions about the mortgage services we provide.
Mortgage Advice Wherever You Are
Capital Advice provides personal mortgage guidance with telephone and online appointments available, making it straightforward to discuss your mortgage plans wherever you are based.
Professional Advice for Important Mortgage Decisions
Choosing a mortgage is an important financial decision. At Capital Advice, we focus on helping you understand the options relevant to your circumstances so you can make an informed decision. We provide guidance on first-time buyer, remortgage, buy-to-let and let-to-buy mortgages, with clear explanations throughout the process.
Important: Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
Capital Advice is a trading style of Orchard Financial Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 623905. We are a brokerage and not a lender. The FCA does not regulate some investment mortgage contracts.
Explore Our Mortgage Services
First-Time Buyer Mortgages
Understand deposits, affordability and the steps involved in buying your first home.
First-Time Buyer AdviceRemortgage Advice
Review your current mortgage and understand your options before your existing deal ends.
Explore RemortgagingBuy-to-Let Mortgages
Mortgage guidance for landlords buying or reviewing finance on a rental property.
Buy-to-Let AdviceLet-to-Buy Mortgages
Understand the mortgage considerations when moving home and renting out your existing property.
Let-to-Buy AdviceFour Mortgage Services. One Personal Approach.
First-time buyer, remortgage, buy-to-let and let-to-buy advice with clear guidance at every stage.
Need Help Choosing the Right Mortgage Route?
Start with a conversation about your circumstances and what you want to achieve.
Meet Rakesh Chandarana – Your Mortgage Adviser
Rakesh provides personalised mortgage guidance to first-time buyers, homeowners considering a remortgage and property investors looking at buy-to-let or let-to-buy options.
The aim is simple: understand your circumstances, explain your options clearly and support you through the mortgage process.
Buying Your First Home or Reviewing Your Mortgage?
Get clear guidance on first-time buyer and remortgage options based on your circumstances.
Buy-to-Let or Let-to-Buy?
Discuss your plans for a rental property or moving home while keeping your existing property.
Ready to Talk About Your Mortgage?
Whether you’re buying your first home, remortgaging, purchasing a buy-to-let property or considering let-to-buy, start with a conversation about your circumstances.