Residential Mortgage
The starting place of love, hope and dreams
We’ll take time to understand your personal circumstances fully so that we can advise on the
best mortgage deal for you – one that you’ll have a good chance of being accepted for and with
the lowest interest rate and fees possible.
“Residential Mortgages made Simple; We Shall Help You Find the Right Loan”.
– Check your Eligibility & Compare Mortgage Rates with the Best Lenders in the UK with Leodis Financial

Are you a first-time home buyer?

We lend up to 95% loan-to-value, which is ideal for first-time purchasers.

Considering purchasing a new home?

On both houses and flats, we lend up to 90% loan-to-value.

Are you ready to refinance your home?

A variety of cost-effective solutions are available, all of which include free valuations and legal advice.

Second or Vacation home?

Our mortgages allow you to rent your home for up to 90 days per year on Airbnb.

Are you planning to retire soon?

Customers up to the age of 80 are considered, and the mortgage term is determined by the oldest customer.

Are you a high-earner or a recent graduate?

With our Professional Range, we could lend you more if you earn £100k per year (or £150k jointly) and have qualified in a qualifying profession within the last 10 years.

Contact Us Now.
Are you a first-time buyer, a seasoned investor, or nearing retirement? Helping someone buy a home or making an investment in your second home? We pay attention to your requirements. Our mortgages, in fact, are as unique as our most unique individuals.
Our residential team can assist you with arranging a mortgage to help you purchase your first or next property, as well as re-mortgaging. We provide mortgages on an independent whole-of-market basis, so you can be sure you’re getting the best advice possible based on your unique circumstances.
  • There are no upfront costs.
  • Flexible payment terms can be arranged without an interview.
  • Access to the entire market on an independent basis
  • Fixed prices for a long time (Up to 10 years)
  • Principles agreed upon the same day
Below are just a few of the many questions you may or should have, and the Leodis Financial team is well-equipped to walk you through all of your options and guide you through the process of purchasing your next home.
Need Our Help? Please call us on 01274 028 019
Our UK-based team is ready to assist you throughout the duration of your loan.
To obtain the best residential mortgage, thoroughly compare mortgage offers and select the one with the lowest interest rate and set-up charge. To assist you, use our mortgage comparison tool.

Importantly, you should always consider the total cost of the mortgage – the most competitive mortgage rates are typically accompanied with the highest fees, and you may find that it is cheaper to take out a mortgage with a higher interest rate but a lower fee.

You could also wish to chat with a mortgage broker who can assist you get the greatest deal for your unique situation.
There are two aspects to a mortgage:
    The money you borrow is referred to as capital.
  • The charge made by the lender on the money you owe is called interest.
Repayment mortgage – you pay back both the principal and the interest in one monthly payment. Your mortgage debt should decrease over time, and your mortgage will be paid off in full by the end of the term, which is normally 25 years. This is the most prevalent mortgage type.

Interest-only – you begin by repaying the mortgage’s interest on a monthly basis, but at the conclusion of the term, you must refund the entire principal in one payment. If you choose this option, we’ll need to know how you plan to repay the capital in the end. It’s possible that you’re putting money into savings and investments on a monthly basis, which might include a pension payment.

Part repayment and part interest only – this option combines the two, so you’ll have paid off some but not all of the capital at the end of the term, and you’ll still need to figure out how to pay off the remaining sum.
If you’re looking for a mortgage, you can apply if you’re:

Buying a home in England, Wales, or Scotland while you’re 18 or older (selected postcodes) & receiving a salary.

Our extensive mortgage portfolio
  • Our mortgages are created with convenience and flexibility in mind.
  • Loans of up to 95% of the purchase price or property value are available.
  • Interest-only mortgages up to 75% of the purchase price or property value are taken into consideration.
  • There is a re-mortgage package available, which includes a free standard valuation and the option of Legal Assist or refund.
  • Large loans of up to £10 million are considered on a case-by-case basis.
One point of contact for you

From start to end, you’ll only deal with one person during the mortgage transaction.

Our underwriters take into account your unique personal circumstances. That means if you’re self-employed, a contractor, or have another reason for not being able to secure a mortgage, we can adopt a reasonable approach. The important thing is that we won’t lend you more money than you can reasonably pay back.


There are a variety of reasons why you might want to re-mortgage your home; perhaps your current promotional rate has expired and you’re looking for a new deal; or perhaps you’d like to tap into the equity you’ve built up in your home. Our experts will be able to discuss your options with you, including whether a re-mortgage is the best option for you.
We’ll look at items like your income and expenses during the mortgage application process. We want to make sure your mortgage is within your financial means and that you can make your payments on time.
It depends on the type of mortgage you have. Deposits begin at 5% of the buying price and go up from there. You’ll need at least 25 percent if you want an interest-only mortgage.
Some older policies may allow you to cash-in and receive a smaller sum before you die. However, there’s usually a hefty penalty to pay and you may end up receiving less than you’ve invested over the years. These types of policies are no longer common practice and are not available on our comparison service.
Yes, we do currently offer these plans. The Help to buy scheme is a government-backed equity loan that allows first-time buyers in England to purchase a newly constructed home. This can only be used to purchase your primary dwelling; it cannot be used to purchase a second home or a rental property. A deposit of at least 5% of the purchase price is required.
Proof of ID, Proof of Income, and Proof of Expenses are the three types of documents required. They need to know who you are, how much money you make, and how much money you spend.

Identification is required.

Your lender will need to know who you are and where you reside in order to process a mortgage application. You may need the following documents to show this:

To avoid problems, your current photo passport or driver’s licence should include your current address. Check the expiration date; you cannot use an expired form of identification.

Recent utility bill (gas/electric, etc.) – show the entire statement, not just the summary page.

Because these are difficult to come by in the digital age, you may have to download them or ask for a print copy from your provider.

The bank statement or credit card bill must be within the recent three months.

Keep in mind that the spelling of your name and address should be identical throughout all of these documents. They will be more trustworthy for the lender to utilise as evidence in this manner. You’ll also need their name on at least one of the utility bills if you’re buying with someone else and already live together.

Get numerous copies of these documents because your conveyance solicitor will require them as well. It’s possible that you’ll have to have them certified by a professional or at the post office.

Income Documentation

Your lender will need to know your salary in order to determine what you can afford when you submit a mortgage application. You may require different types of documents depending on the type of income you receive.

If you work on a PAYE basis:

Payslips – These must be no more than three months old (up to six weeks if you are paid weekly) and must include your name and the name of your employer, as well as the payment date, net pay, and gross pay.

If you’ve just started a new job or haven’t been in your current position for very long, they may ask to see your P60 documentation to confirm you’ve been working.

If you’re self-employed, you should:

HM Revenue and Customs (HMRC) can provide self-assessed tax return forms (SA302) and tax year overviews, which must both cover the same time period and be no more than two years old.

An accountant’s certificate can be obtained from your bank or lender and must be completed by a professionally trained UK accountant.

Receipts of Expenses

Before processing your application, your lender will need to know about your outgoing expenses in addition to your income. This is due to the fact that frequent payments such as school fees, travel, and other expenses may have an impact on how much you can afford to repay each month.

They’ll need the following items to display this information:

Bank statement – this must be from the last three months, clearly readable, and unaltered in any manner. They’ll almost certainly want to see your entire statement, including your correct name and location as well as a running balance.

Remember that they may want to know about any unexpected or unclear purchases or revenues you’ve made, so be ready to talk about topics that are personal to you. Your lender should keep this information private and not disclose it with anyone.

When applying for a mortgage, you may be required to submit a substantial amount of paperwork. Check names on utility bills, make sure your entire ID is up to current, and be prepared to create many copies to make this as simple as possible. Similarly, having internet banking set up and being able to see your payslips online will make things easier.

It’s also worth noting that, because you’re applying for a mortgage in the United Kingdom, all of this documentation should be in English; any that isn’t will need to be translated by a reputable translation firm and labelled as such.

If you’ve never applied for a mortgage before, it might be a confusing process, but you can always go to a mortgage broker to obtain guidance on the best options for you. Your application procedure will go much more smoothly if you have all of your paperwork ready ahead of time.

Speak with an expert mortgage brokers to learn more about mortgages.
Please come and speak with us. Every mortgage application is evaluated on its own merits. The underwriter has the final say on whether a mortgage term can be extended past either the maximum working age or the anticipated retirement age, whichever is lower.
Yes. We only ask that if you intend to rent out your property, you get permission from your building and contents insurance providers first, and if your property is leasehold, you get permission from your freeholder as well.
What we do
Our Services


Flexible features such as underpayments are added.

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First Time

First-time mortgages for your first home

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Self Employed Mortgage

We will help find the best deal for you

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Poor Credit Mortgage

Irrespective of your credit score we can help find a deal.

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Buy to Let

Explore some of our best financings options on offer.

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Get quickly approved for bridging finance.

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New Home

Porting your old mortgage or starting a new one.

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Fund your own home with Government assistance.

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Off Set

Link your mortgage to your savingsto save money.

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Let to Buy

Move into a new home before selling the old one.

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Development finance

Flexible financing terms to acquire funding.

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Help to Buy

Government supported programs for ownership.

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Second Charge

Secured loans such as a second charge.

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Explore our flexible financing deals.

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Fixed Rate

A fixed interest rate for an agreed term

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Low DEposit

A lower initial deposit makes it easier to get on the ladder.

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