Residential Mortgages

Make your move on the property ladder with ease.

Buying a new home is exciting and stressful in equal measure! However, when it comes to the pain of sourcing a new mortgage, help is at hand. We’ll find and secure your new residential mortgage with the minimum stress so you can take the next step on the property ladder.

The residential mortgage market can seem overwhelming with so many options available. However, our expert mortgage advisers will guide and support you through the mortgage maze. We know where to look and how to evaluate a mortgage deal. With access to the whole mortgage market, including intermediary-only lenders, we can find the right mortgage for your needs, whatever your circumstances.

We’ll manage the whole application process – from sourcing your mortgage right through to you receiving the funds. Tell us what you need, and we’ll find it for you.

       Excellent rating  
 Based on 215 reviews 
    
  
 
 
      I cannot recommend Luke at Exe Mortgages highly enough. He has been by far the best person I've worked with during the process of buying my home. From start to finish, he was incredibly fast, informative, and always happy to help. His friendly and approachable manner made what can be a stressful process feel straightforward and manageable. He kept me updated every step of the way and was always available to answer any questions. Thank you, Luke, for making my house purchase such a smooth experience.
     
   Kai Curtis 
 27 October 2026
 
 
 
 
    I have just completed on my mortgage with Emma at Exe Mortgages and she has been FANTASTIC! This is my first time going through the mortgage process and Emma answered my (many!) questions with such clarity and care. She has so much knowledge and is very fast with responding and getting everything organised. 100% recommend Emma to everyone, she was amazing :) Thank you so much again!!
     
   Becky Cligg 
 22 October 2026
 
 
 
 
    I would like to thank George and Exe Mortgages for their excellent service. Because of my own situation my mortgage was really becoming quite difficult to get. Exe mortgages showed a lot of patience and professionalism. At all stages of the process I was kept very well informed as to what was happening and what information was needed from myself. I was extremely pleased when my mortgage completed. I have no hesitation whatsoever in recommending Exe mortgages. Thanks again. Great Service.
     
   John Flowers 
 7 October 2026
 
 
 
 
    Communication throughout my remortgage was excellent - Emma was always available to discuss any of my concerns. Would thoroughly recommend their services.
     
   Kerry Albutt 
 6 October 2026
 
 
 
 
    David has been a great help in finding us a buy to let mortgage. Not only did he recommend a mortgage but he helped guide us while we were searching for an investment property.
     
   Robert Archer 
 30 September 2026
 
 
 
 
    Fantastic service, very quick and efficient. Polite and easy to communicate with. Would highly recommend.
     
   Angie Reynolds 
 30 September 2026
 
 
 
 
    Exe Mortgages provided invaluable, specialised, experienced and trusted advice on both my property remortgage and securing the mortgage for a house purchase made by my company. Their clear guidance, attention to detail and proactive communication made a complex process straightforward and stress-free. Thank you again for all your help, advice and quick replies. It is of immense value and much appreciated.
     
   Emma Ley 
 27 September 2026
 
 
 
 
    James was very friendly and helpful. Explained everything really well and was easy to reach for any questions. Will definitely use him again for any future house purchases.
     
   Liv 
 23 September 2026
 
 
 
 
    We can’t thank Richard Green enough for all his help. He was incredibly responsive, pragmatic, calm and reassuring throughout, making a stressful time so much easier for us.

I messaged him on 1st September to say we’d had an offer on our house, and by 3rd September, our mortgage offer was in place! His efficiency was amazing and really helped ease our stress and anxiety.

His fees were also very reasonable, and we honestly couldn’t recommend him highly enough. Thank you so much for everything!
     
   Emma Doble 
 22 September 2026
 
 
 
 
    My family and I have used Richard many times and have always received an excellent service. He is friendly, professional and always goes above and beyond to help. We wouldn’t hesitate to recommend him.
     
   Laura Bloor 
 21 September 2026
 
 
 
 
    Fiona has been incredible at guiding us through the mortgage process. Her knowledge, professionalism and skills are second to none. She is the most friendly, kind and understanding person, and we would recommend her to anyone looking for a mortgage broker.
     
   Julia Horrell 
 17 September 2026
 
 
 
 
    Knowledgeable and friendly staff, who are very helpful at all stages of the process. Would highly recommend.
     
   Louie Dyer 
 13 September 2026
 
 
 
 
    Amazing service.
     
   cameron todd 
 7 September 2026
 
 
 
 
    I have recently completed the mortgage application process with Luke Bowen. The support and advice throughout was exemplary and the service was professional and rapid. I would definitely recommend Exe Mortgage and Luke!
     
   Henry Bleasdale 
 31 August 2026
 
 
 
 
    Fantastic friendly professional service. Thank you Richard.
     
   Jenny Blackwell 
 28 August 2026
 
 
 
 
    We returned to Exe Mortgages when our original mortgage deal came to an end as they were so good the first time around (when we were first time buyers). We spoke with Emma who explained the process clearly and then has continued to guide us throughout. Emma has been in regular contact, always trying to get us the best deal, and actioning everything quickly. We've been very lucky to have her helping us and would definitely recommend Exe Mortgages, and Emma, to anyone.
     
   Ollie Rowlands 
 21 August 2026
 
 
 
 
    We honestly couldn’t recommend Fiona enough. She helped us with both buying our new house and selling our current one, and the whole process felt so much less stressful having her there throughout.
She always gave honest, trustworthy advice and explained everything clearly, which really helped us feel confident in the decisions we were making. No question ever felt silly and she was always quick to reply to emails and keep us updated, which made a huge difference during such a stressful time.
Professional, reliable and genuinely supportive from start to finish — we’re so grateful for all her help

Owner's reply
Thanks for the lovely feedback Sophie, Fiona takes great pride in the level service she provides.
     
   Sophie Brown 
 21 August 2026
 
 
 
 
    I had a fantastic experience with Luke. He has been incredibly helpful, knowledgeable, and efficient throughout the entire process. He explained everything clearly, answered all my questions, and made what could have been a stressful experience feel straightforward and manageable. I really appreciated his professionalism and support and would highly recommend his services to anyone looking for a mortgage advisor.
     
   Hannah Moore 
 18 August 2026
 
 
 
 
    What a great pleasure it has been to work with Exe Mortgages. It is by far the best experience we have had with any financial advisor: you have been clear, communicative and friendly at every point during what can be a stressful process and we feel we have the best offer available to us at this point.  As we said at the outset, you were recommended to us and we will certainly be recommending you further.
     
   Stephen Felmingham 
 17 August 2026
 
 
 
 
    I could not be happier with this company's service especially my contact Richard Green. Although I am in my 40s I have never previously bought a house or even used a solicitor, so to have such a complicated issue to deal with meant I needed a lot of help. Richard was both patient and knowledgeable, and coped with my family's issues with good humour! I'd not hesitate to trust him with my family's finances again. Thank you!
     
   Matt Weston 
 12 August 2026

Our Residential Mortgage Services

We’re experts at arranging all types of residential mortgages, so whether you’re in a property chain, buying your first home or refinancing, we can get you the mortgage you need.

Home Mover Mortgage

When you’re ready to take that next step on the property ladder, we’ll help find you a new mortgage to realise your home-moving ambitions.

Remortgages

If your current mortgage is expiring or you want to refinance your existing arrangement to borrow more funds, we’ll help you find a competitive replacement.

First-Time Buyer Mortgage

When you’re buying that exciting first home, we’ll help you secure your first mortgage to make your dream of owning a property a reality.

Affordable Housing Scheme Mortgage

If you’re having help to buy your new home via a shared ownership or shared equity scheme, we’ll help you source the right mortgage.

See How Much You Can Borrow

Get a clearer picture of what you can afford with our easy to use mortgage calculators. Estimate your monthly repayments, explore different scenarios, and take the first step towards planning your future home with confidence.

Mortgage Quote Tool

Your Residential Mortgage Options

Various mortgage options are available to you, depending on your circumstances. Here’s a summary to familiarise yourself with the possibilities.

The two main residential mortgage types are capital repayment and interest-only mortgages or a blend of both.

Capital repayment mortgage

With a capital repayment mortgage, your monthly payments include the interest and an amount toward the balance of the mortgage loan.

The loan amount gradually reduces each month until it is fully repaid at the end of the term.

Our Mortgage Repayment Calculator

Interest-only mortgage

With an interest-only mortgage, you only pay the interest charges on your mortgage loan each month. Your monthly payments will be lower than a capital repayment mortgage.

However, you won’t reduce the loan amount, so you’ll need another way to pay it off at the end of the term.

Our Mortgage Repayment Calculator

Once you’ve decided on the type of mortgage, there are several interest rate options:

Fixed-rate mortgage

A fixed-rate mortgage is a home loan whose interest rate stays the same for a specific period. Typically, the rate will be fixed for two, three, five or ten years.

This type of mortgage offers certainty as the monthly repayments stay the same even if interest rates change. A fixed-rate mortgage can be a good option if you’re concerned about meeting repayments should interest rates rise.

Variable-rate mortgage

With a variable-rate mortgage, the interest rate can move up or down. These fluctuations will affect your monthly repayments.

If interest rates fall, your mortgage payments will decrease, but there is always the risk of rates rising and increasing your monthly payments.

There are three main types of variable mortgages: standard variable rate, tracker mortgage, and discounted mortgage.

Offset mortgage

An offset mortgage links to your savings or current accounts. Any credit in these accounts can reduce the overall amount of interest you pay on your mortgage.

By reducing the interest, you can either lower your monthly payments or reduce the overall term of your mortgage.

Tracker rate mortgage

The interest rate on a tracker mortgage moves in line with the Bank of England’s base rate.

The rate is set at a certain percentage above the base rate and moves up or down according to adjustments in the base rate.

Choose the right Residential Mortgage

The right residential mortgage option for you will depend on your personal circumstances. Our experienced mortgage advisers can talk you through the options to help you decide. For your free, no-obligation initial consultation, contact us today.