MOVA / Guides & Resources
Mortgage and protection guides.
Understand your next step.
Practical explanations for mortgages, property finance and protection, with a clear route to personal advice when you need it.
Initial conversation at no cost · No pressure to proceed
A real person.
A clearer next step.
Speak directly with Steven about what you want to achieve. You do not need all the answers before getting in touch.
Featured guide
Your first home, step by step.
Buying your first home
First-Time Buyer Mortgage Guide
Understand the budget, deposit, agreement in principle, application and legal stages, with practical questions to bring to Steven.
Explore by situation
Useful guidance for the decision ahead.
Coming to the end of a mortgage deal?
Compare the questions around a remortgage and a product transfer.
Moving to another home?
Understand porting, additional borrowing, equity and the costs of changing a mortgage.
Self-employed income?
Prepare for a conversation about accounts, tax information, salary, dividends and contracts.
Family helping with the deposit?
See why the source, terms and documentation of family support matter.
A short-term property project?
Understand why the exit, timeframe and total costs matter in bridging finance.
Protecting your income?
Understand deferred periods, benefit periods, sick pay and policy definitions.
Put the figures in context
Interactive tools, explained.
Mortgage repayment calculator
Explore illustrative repayments with a 4% example rate. A calculation is not a quote or a lending decision.
Commercial project planner
Outline a project budget and cash contribution. The gap is not a promise of available finance.
Your next step
Make your next move clearer.
An initial conversation at no cost. Clear next steps, with no pressure to proceed.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The amount will depend on your circumstances and will be explained and agreed before you choose to proceed.