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.
Why Market Harborough buyers come to us
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.
Who we help in Market Harborough
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.
How it works
- Get started. Send us a quick online fact find - about 10 minutes.
- We do the research. We check affordability and eligibility across our lender panel.
- Your personal recommendation. You get a video presentation and agreement in principle.
Local to Market Harborough - but flexible
Most of our work is done by phone, video call and WhatsApp, with face-to-face appointments available if preferred.
Fees and what to expect
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.
Frequently asked questions
Do I need a mortgage broker in Market Harborough, or can I just go direct to a bank?
You can go direct, but you'll only see one slice of the market. A bank can only offer you their own products; we search across a wide panel of lenders to find a strong fit for your situation. That's particularly useful in Market Harborough, where higher-than-average property 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.
How much does mortgage advice cost?
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'll always explain how you're paying for our service before you proceed. There's no charge for the initial conversation.
How much can I borrow?
As a rough guide, lenders typically offer between 4 and 4.5 times your annual income, though some will go to 5x or beyond depending on your circumstances. With Market Harborough property prices often above the regional average, getting your borrowing figure right is particularly important - we work with lenders who treat London-weighted salaries, bonuses, share options and contractor income favourably, which can meaningfully change what you can afford. The quickest way to get a real number is to start our online fact find.
Can you help if I'm self-employed or have complex income?
Yes - this is one of our specialisms. Many Market Harborough buyers commute into London or Leicester and have non-standard pay: bonuses, RSUs, share options, dividend income, contractor day rates, or a mix of employment and self-employment. We know which lenders treat each of these favourably and how to present your case to maximise your borrowing.
How long does the mortgage process take?
For a purchase, expect roughly 8-12 weeks from offer accepted to keys in hand, though this varies depending on the chain, survey and lender. A remortgage typically completes within 4-6 weeks. Older or listed properties - common in central Market Harborough and the surrounding villages - can sometimes take longer at the survey stage, and we'll factor that into your timeline.
Do I have to be in Market Harborough to meet with you?
No - most of our work is done by phone, video call and WhatsApp, so we can fit around your work schedule, family life, or that last viewing on a Saturday morning. If you'd prefer to meet face to face, we can arrange that by appointment.
Ready to talk?
- Get started: online fact find
- WhatsApp: 0330 551 4600
- Phone: 0330 551 4600
Houz Mortgages, a trading style of Houz Mortgages Ltd (975971) is an Appointed Representative of HL Partnership Limited (303397) which is authorised and regulated by the Financial Conduct Authority. Your home/property may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy to Let.