A local mortgage broker who knows the Market Harborough market — period townhouses, listed village properties and new-builds. You work directly with Ben, not a call centre.
Free initial chat · Costs explained upfront · Wide lender panel
You will work directly with Ben - qualified since 2014, specialist lending experience since 2022 - not a call centre or junior adviser.
We hold a 5.0 rating on Google, have arranged over £13m in lending since 2022, and are an Appointed Representative of HL Partnership Ltd.
Market Harborough is one of the most desirable places to buy in Leicestershire, with strong demand from London commuters and buyers moving into nearby villages. That premium creates real affordability and lender-criteria challenges.
Older and character properties can trigger stricter lender criteria around construction type, listing status and valuation. New-build purchases also move quickly and need a robust agreement in principle early.
First-time buyers. We walk you through deposit options, gifted deposits, agreement in principle, surveys and completion in plain English.
Movers and remortgagers. We compare product transfers versus the wider market to avoid expensive standard variable rates.
Commuter professionals with complex pay. Bonus-heavy income, share options, RSUs and day rates can all be presented in a lender-friendly way.
Self-employed and business owners. SA302s, retained profits, dividends and mixed income streams matched to lenders who lend on them.
Buy-to-let landlords. Personal and limited company BTL, portfolio stress tests, holiday lets, and refinancing.
Complex cases. Listed buildings, adverse credit, unusual construction and more.
Want to know what you can realistically borrow in Market Harborough?
Most of our work is done by phone, video call and WhatsApp, with face-to-face appointments available if preferred.
There may be a fee for mortgage advice - typically between £49 and £349 depending on your situation, agreed upfront. We may also receive lender commission on completion.
Reviews from clients who have worked with Houz Mortgages.
A bank only offers its own products; we search across a wide panel of lenders to find a strong fit. That matters in Market Harborough, where higher-than-average prices and a mix of period townhouses, listed village properties and new-builds mean different lenders suit different purchases. We also handle the paperwork, chase the lender and stay with you through to completion.
Our advice fee typically ranges from £49 to £349, agreed with you upfront before you commit to anything. The exact amount depends on the complexity of your case. We may also receive commission from the lender when your mortgage completes, and we always explain how you are paying before you proceed. There is no charge for the initial conversation.
As a rough guide, lenders typically offer between 4 and 4.5 times annual income, and some go higher depending on circumstances. With Market Harborough prices often above the regional average, getting the figure right matters — we work with lenders who treat bonuses, share options and contractor income favourably. The quickest way to get a real number is to start our online fact find.
Yes — this is one of our specialisms. Many Market Harborough buyers have non-standard pay: bonuses, RSUs, share options, dividends, contractor day rates or mixed income. We know which lenders treat each favourably and how to present your case fairly.
For a purchase, expect roughly 8–12 weeks from offer accepted to keys, depending on the chain, survey and lender. A remortgage typically completes within 4–6 weeks. Older or listed properties common around Market Harborough can take longer at the survey stage, and we factor that into your timeline.
No — most work is done by phone, video call and WhatsApp, so we fit around your schedule. If you'd prefer to meet face to face, we can arrange that by appointment.
Pick a time online, message us on WhatsApp, or call — whatever suits you.
