5.0 on Google £13m+ lent since 2022 Appointed Representative of HL Partnership Ltd

Mortgage advice in Leicester

Personal mortgage advice for Leicester buyers — from city terraces to commuter villages across Leicestershire. You work directly with Ben, not a call centre.

Free initial chat · Costs explained upfront · Wide lender panel

Get started — online fact find WhatsApp us Call 0330 551 4600

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 Leicester buyers come to us

Leicester's mix of Victorian terraces, new-build estates and village properties means lender criteria varies widely — the right mortgage depends on the specific property, not just your income.

Strong demand from first-time buyers and investors keeps the market competitive. Having your agreement in principle sorted early helps you move quickly when the right home comes up.

Who we help in Leicester

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

  1. Get started. Send us a quick online fact find — about 10 minutes.
  2. We do the research. We check affordability and eligibility across our lender panel.
  3. Your personal recommendation. You get a video presentation and agreement in principle.

Local to Leicester — 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.

What clients say

Reviews from clients who have worked with Houz Mortgages.

Frequently asked questions

Do I need a mortgage broker in Leicester, or can I just go direct to a bank?

A bank only offers its own products; we search across a wide panel of lenders to find a strong fit. That matters in Leicester, where Victorian terraces, ex-local authority stock and new-builds each come with different lender appetites. 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 always explain how you are paying before you proceed. There is no charge for the initial conversation.

How much can I borrow?

As a rough guide, lenders typically offer between 4 and 4.5 times annual income, and some go higher depending on circumstances. Leicester's range of price points means 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.

Can you help if I'm self-employed or have complex income?

Yes — this is one of our specialisms. Many Leicester 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.

How long does the mortgage process take?

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 terraces and conversion flats common in Leicester can take longer at the survey stage.

Do I have to be in Leicester to meet with you?

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.

Ready to talk?

Pick a time online, message us on WhatsApp, or call — whatever suits you.

Get Started WhatsApp 0330 551 4600