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Start with what matters to you
Your income, commitments, deposit and plans—and any questions on your mind.
MOVA / Mortgage advice
Mortgage advice for your next move
Buying, moving, remortgaging or investing? Talk it through with Steven, understand your options and get personal support with the mortgage process.
Initial conversation at no cost No pressure to proceed
Advice from Steven Cooper
Whiteley, Hampshire · UK-wide phone & video
Your home may be repossessed if you do not keep up repayments on your mortgage.
01 Direct adviser support
02 Options explained in plain English
03 Help through the application
Mortgage services
What would you like help with?
Choose your situation, explore the details or start with a conversation with Steven.
Buying your first home
Budget, deposit options and help with your first application.
Explore this service →Moving home
Porting, a new mortgage and any additional borrowing.
Explore this service →Reviewing your mortgage
Compare your existing lender with new mortgage options.
Explore this service →Buy-to-let
Personal ownership, limited companies and portfolios.
Explore this service →Self-employed income
Sole traders, directors, contractors and CIS workers.
Explore this service →Complex credit
Review the circumstances before a new application.
Explore this service →More mortgage services: new-build, family support and specialist routes
New-build homes
Plan around reservation and completion dates.
Explore this service →Family support
Understand gifted deposits and other family arrangements.
Explore this service →High-value borrowing
Complex income, substantial mortgages and wider property plans.
Explore this service →Sharia home finance
An introduction for specialist home purchase plan advice.
Explore this service →Second-charge mortgages
Compare ways to raise money against your home.
Explore this service →Specialist situations
Find the right conversation for less straightforward plans.
Explore this service →
Free mortgage repayment calculator
See what your mortgage
could cost each month.
Change the deposit, term or example rate and see the impact on monthly repayments. No sign-up needed.
Repayment mortgage illustration
Compare terms
4% is an editable example, not a current rate quote or offer. The term and borrowing shown may not be available to you.
Your deposit/equity 10%Loan-to-value 90%
How this illustration works
It models a capital-and-interest repayment mortgage with equal monthly payments. The entered rate stays the same for the whole term. It excludes fees, insurance, taxes, moving costs and changes in rates. Actual lender calculations and rounding may differ.
Illustrative monthly repayment
—/ month
Mortgage amount—
At 1 percentage point higher—
The higher-rate figure is a scenario, not a forecast or a lender’s affordability test.
Total over this example term
Total repayments—
Total interest—
No personal details are needed to use this tool. It does not assess how much you can borrow.
Illustration only—not mortgage advice, a recommendation, an agreement in principle or confirmation of affordability. Borrowing depends on income, commitments, credit history, the property and lender criteria.
The MOVA panel
Mortgage lenders & specialist partners
- Halifax Intermediaries
- Nationwide for Intermediaries
- NatWest
- Barclays
- Santander
- HSBC
- Coventry
- Leeds Building Society
- Virgin Money
- Accord Mortgages
- Skipton Intermediaries
- TSB
- Bank of Ireland
- Aldermore Mortgages
- Kensington
- Pepper Money
- Bluestone Mortgages
- Foundation Homeloans
- The Mortgage Lender
- Vida Home Loans
- United Trust Bank
- West One
- Together
- Metro Bank
- MPowered Mortgages
- Gen H
- April Mortgages
- Afin Bank
- Bath Building Society
- Beverley Building Society
- Buckinghamshire Building Society
- Cambridge Building Society
- Chorley Building Society
- Clydesdale Bank
- Coutts
- Darlington Building Society
- Dudley Building Society
- Earl Shilton Building Society
- Ecology Building Society
- Family Building Society
- Furness Building Society
- Hanley Building Society
- Harpenden Building Society
- Hinckley & Rugby Building Society
- Hodge
- Leek Building Society
- Loughborough Building Society
- Mansfield Building Society
- Market Harborough
- Marsden Building Society
- Melton Building Society
- Newbury Building Society
- Newcastle Building Society
- Nottingham for Intermediaries
- Penrith Building Society
- Perenna Bank
- Post Office
- Principality Building Society
- Progressive Building Society
- Saffron for Intermediaries
- Scottish Building Society
- Scottish Widows Bank
- Stafford Building Society
- Suffolk Building Society
- Swansea Building Society
- Tandem Bank
- Teachers for Intermediaries
- The Co-Operative Bank for Intermediaries
- Tipton & Coseley Building Society
- Vernon Building Society
- West Brom Building Society
- The Mortgage Works
- BM Solutions
- Paragon
- Kent Reliance
- Landbay
- Keystone
- Fleet Mortgages
- CHL Mortgages
- Lendco
- LendInvest
- Molo
- Moda Mortgages
- MT Finance
- Quantum Mortgages
- Zephyr Homeloans
- Hampshire Trust Bank
- Precise Mortgages
- Gatehouse Bank
- Stride Up
- BuildLoan
- Brightstar
- Crystal Specialist Finance
- Impact Specialist Finance
- Positive Lending
Personal advice from Steven
From working it out
to moving forward.
A calculator can show a payment. Steven helps you understand what may be available to you, how the options compare and what to do next.
02
Understand your options
The costs, features and trade-offs, with room to ask questions before deciding.
03
Get support with your application
Support with the application and lender requirements, subject to their assessment.
Based locally? Explore our mortgage advice in Whiteley.
Your questions, answered
Feel informed.
Then decide.
From deposits to adviser fees, here are the answers to some common questions.
How much could I borrow?
There isn’t one figure that works for everyone. Income, financial commitments, your credit profile, the property and lender criteria all matter. Our payment calculator illustrates a loan you enter; Steven can help you explore your actual borrowing position.
How much deposit do I need?
It depends on the mortgage, lender, applicant and property. We’ll look at the deposit or equity available alongside your circumstances. You should also allow for legal fees, any applicable property tax and other moving costs.
Can you help if I’m self-employed?
Yes. We can help you understand how lenders may assess your income, trading history, accounts and tax information. Tell us about your business when you enquire so we can discuss the evidence that may be needed.
When should I review my existing mortgage?
Start the conversation ahead of your current deal ending. We can discuss timings, any early repayment charges and options that may be available, including whether staying with your lender should be considered.
Is the initial conversation free?
The initial conversation is at no cost. There may be a fee for mortgage advice. The precise amount depends on your circumstances and will be explained and agreed before you choose to proceed.
Does this enquiry affect my credit score?
The enquiry on this page does not run a credit check or apply for a mortgage. If you later decide to seek an agreement in principle or submit an application, we’ll explain the relevant lender’s credit-check process first.
Ready when you are
Your plans deserve
a proper conversation.
Book time with Steven to discuss your plans, ask questions and understand your next step. The initial conversation is at no cost.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some forms of buy-to-let mortgage are not regulated by the Financial Conduct Authority. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be explained and agreed before you choose to proceed.
