Mortgages
Expert Mortgage Broker in Yorkshire
At Taylor Reddey Mortgages and Protection, we provide clear, strategic mortgage advice designed around your goals—not just today’s rates. Whether you are buying your first property, preparing for a remortgage, expanding a property portfolio, or moving home, our role is to simplify the process and help you make confident financial decisions. In a fast-changing 2026 market, expert guidance can make the difference between securing the right deal and paying more than you need to.
Your home may be repossessed if you do not keep up repayments on your mortgage.
First-Time Buyer Mortgages: How Much Can You Borrow?
With more lenders offering 95% mortgages for first-time buyers, entering the property market is more achievable than many people think. If you have a 5% deposit mortgage in mind, there may be options available depending on your income, credit profile, and overall affordability.
One of the most common questions we hear is: “How much can a first-time buyer borrow in 2026?”
Most lenders use Loan-to-Income (LTI) ratios, typically around 4.5x income, although some professional mortgage schemes may offer up to 5.5x or even 6x income for eligible applicants such as nurses, teachers, and other key workers.
Before you start viewing properties, securing an Agreement in Principle (AIP) is crucial. An AIP confirms how much you may be able to borrow and shows estate agents and sellers that you are a serious buyer. We arrange this quickly and guide you through stamp duty considerations, including first-time buyer stamp duty thresholds.
Our focus is on your buying power—not just the headline interest rate.
Remortgages: Avoid the Payment Shock
With 1.8 million homeowners due to remortgage this year, many borrowers are coming off historically low fixed rates. If your deal is ending, planning early is essential.
Don’t fall onto your lender’s SVR (Standard Variable Rate).
This can significantly increase your monthly payments.
We recommend a simple Remortgage Countdown approach:
- 6 Months Before – Review your current rate and explore best remortgage deals for 2026. We can secure a new rate in advance.
- 3 Months Before – Finalise your application and provide supporting documents.
- 1 Month Before – Ensure your new mortgage is ready to switch seamlessly.
We will compare options such as a remortgage vs. product transfer, and assess whether switching mortgage to save money makes sense. For some clients, a remortgage for debt consolidation can also reduce overall monthly commitments—but this must be carefully assessed.
Our goal is to protect you from unnecessary payment increases while keeping long-term costs in focus.
Buy-to-Let Mortgages
Maximising Return on Investment
Landlords are increasingly using Limited Company buy-to-let mortgages and SPV structures to optimise tax efficiency and long-term growth.
Whether you need an interest-only landlord mortgage, HMO mortgage advice, or a BTL remortgage, we analyse your investment strategy carefully.
Lenders assess rental properties using Interest Coverage Ratios (ICR). For example:
- Rental income must typically cover 125%–145% of the mortgage interest.
- Stress testing is applied at higher assumed interest rates.
We also advise on specialist areas such as holiday let and Airbnb mortgages, where criteria can differ significantly from standard buy-to-let products.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.
Home Movers:
Porting or Starting Fresh?
If you are upsizing or relocating, your mortgage options may be more flexible than you realise.
You may be able to port your mortgage to a new property, meaning you transfer your current rate to your next home. Alternatively, starting fresh with a new lender could offer greater borrowing power or better terms.
We help you assess:
- Upsizing mortgage affordability
- Moving home with low equity
- Coordinating timelines between sale and purchase
- We can also refer you to an expert for bridging finance
Moving home involves many moving parts. We manage the mortgage process so you can focus on your next chapter.
Buying Schemes
Which Is Right for You?
Alternative routes onto the property ladder continue to grow in popularity. We provide guidance on:
- Shared Ownership mortgage broker services
- First Homes Scheme 2026
- Deposit Unlock mortgages
- Rent to Buy schemes
- Guarantor (Springboard) mortgages
Each scheme has different eligibility rules, deposit requirements, and long-term implications. We explain the pros and cons clearly, helping you decide which approach supports your future plans—not just your immediate purchase.
Personal, Regulated Advice You Can Trust
Taylor Reddey Mortgages and Protection provides tailored, FCA-regulated mortgage advice built around your individual circumstances. Every recommendation is based on affordability, sustainability, and your long-term goals.
In a market driven by micro-moments and rapid rate changes, having an experienced adviser on your side ensures you act at the right time with the right information.
If you are ready to explore your options—whether that’s securing an Agreement in Principle, preparing for a remortgage, or expanding a property portfolio—our team is here to help you move forward with confidence.
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Contact Us
Interested in finding out more about how we can help you with your mortgage or protection? Get in touch and we will get back to you shortly.