Trusted Residential Mortgage Broker
Navigating the housing market doesn’t have to be complicated. Whether you’re buying your first home or remortgaging an existing property, we help you find the deal that works for you.
Expert Residential Mortgage Solutions
From securing the lowest residential mortgage rates to minimising your remortgage costs, we provide expert market access to ensure you never overpay for your home.
Eliminate Rejection Anxiety
Residential Mortgages
As your residential mortgage broker, we secure the best residential mortgage rates from 1000+ lenders, navigating complex criteria to guarantee the most cost-effective deal for your new home.
Services Include:
Buy to Let Mortgages
Maximise your rental yield with expert portfolio advice. We secure the best residential mortgage rates for landlords, ensuring your remortgage property costs remain low while your investment returns grow.
Services Include:
Specialist Mortgages
Beyond the high street, we unlock funding for complex scenarios. Whether you are self-employed or need an international solution, we find the best residential mortgage rates for non-standard applications.
Services Include:
Short Term Finance
Bridge the gap with fast, flexible funding. We secure immediate capital for residential mortgage gaps, property renovations, or auction purchases, ensuring your remortgage property plans stay on track without delays.
Services Include:
Insurance
Protect your home and investment with comprehensive cover. We secure the best residential mortgage rates for combined insurance and mortgage bundles, ensuring your remortgage property remains fully shielded from unexpected risks.
Services Include:
Mortgage Calculator for Strategic Borrowing
Our 4-Stage Precision
Lending Process
Initial Strategy Consultation
We audit your goals to build a bulletproof profile, ensuring your residential mortgage application is positioned for immediate success.
Whole-of-Market Selection
We scan 100+ lenders to pinpoint exclusive residential mortgage rates that minimise your long-term remortgage costs.
Whole-of-Market Selection
Our experts pre-screen every detail to eliminate rejection anxiety, solving potential hurdles before the lender even sees them.
Underwriting & Risk Mitigation
We drive the legal and administrative process to the finish line, securing your remortgage property funding without delays.
Your Trusted Partner in
Frequently Asked Questions
Common Questions & Answers on Residential Mortgage
Should I choose a 2-year or 5-year fixed rate?
A 2-year fix offers flexibility if you plan to move or refinance soon, while a 5-year fix provides long-term budget certainty. We compare the total cost of both to see which matches your financial goals.
How much can I borrow for my house?
Most lenders offer 4.5x to 5.5x your annual income. Use our calculator to get an estimate.
How do I secure a mortgage while living abroad?
Raisntone uses specialist lenders who accept foreign currency and overseas credit history. You will generally need a 25% deposit. We manage the complex underwriting to ensure your application bypasses standard high-street rejections.
When should I start my remortgage process?
You should start 6 months before your current deal ends. This allows you to lock in a rate early. If rates improve before you complete, we can often switch you to a better deal.