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

Mortgage advice in Lutterworth

Mortgage broker near Lutterworth and the M1/M6 corridor — local knowledge with national lender access. 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.

Why Lutterworth buyers come to us

Lutterworth and surrounding villages sit between Leicester, Rugby and Northampton — buyers often compare all three markets before deciding where to buy.

We advise across the corridor with local knowledge and national lender access, matching your property and income to the right lender from day one.

Who we help in Lutterworth

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 Lutterworth — 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 Lutterworth, 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. The Lutterworth area spans village cottages, family semis and new-builds on the corridor — different lenders suit different purchases. We handle the process 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. Corridor commuters often have complex pay — we work with lenders who treat bonuses and contractor income favourably.

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

Yes — this is one of our specialisms. Many buyers in the Lutterworth area are self-employed or work across multiple income streams. We know which lenders treat each favourably.

How long does the mortgage process take?

For a purchase, expect roughly 8–12 weeks from offer accepted to keys. A remortgage typically completes within 4–6 weeks.

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

No — most work is done by phone, video call and WhatsApp. Face-to-face appointments are available by arrangement.

Ready to talk?

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