First Time buyer Mortgages
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specialist mortgages
Giving you
Complete financial peace of mind
Specialist mortgage and protection advisers in
Nottingham, from Castlegate Financial Services
We have been helping clients achieve their financial goals for over 35 years.
Supporting our clients throughout life’s biggest moments, Castlegate Financial Services is more than just a mortgage broker. Our personalised, friendly and complete end-to-end financial service means we’ve been able to help thousands of clients in and around Nottinghamshire make their financial goals a reality.
From buying your very first home to finding the right insurance and helping clients understand and build successful property portfolios – we are here for you, every step of the way.
Borrowing Calculator
We work for you
As specialist mortgage brokers and protection brokers, we are able to compare market to find the best financial solution for you.
Sian Mitchell
Managing Director
We work for you, not for a bank or building society, so are not restricted by the mortgage or insurance products we can offer.
We start by getting to know you first, understanding your current position and what you’re trying to achieve. Our extensive knowledge and experience or every lender’s products and qualifying criteria, saves you time and hassle, as we compare the market to find you the best suited lender, handling with the entire application process of your behalf.
We deal with the mortgage lender, estate agents, solicitors and any life insurance providers so that the whole process is as stress free as possible.
We listen to what you want, then work to make it happen for you. Because we work for you.
Client reviews
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More than just a
mortgage broker
Not your typical Nottingham Mortgage Broker, our financial services and advice extends far beyond just mortgages and insurance.
35+ years in the industry means we’ve established a trusted network of Property, Legal, Tax and Accounting professionals in and around Nottinghamshire, who we can work closely with to make your financial goals a reality.
We will liaise with estate agents, property developers, accountants, tax experts, solicitors and more, to ensure that you get an efficient, effective and complete service from our experienced team.
Frequently
asked questions
A mortgage broker is a mortgage expert that can arrange a mortgage between you (the borrower) and a mortgage lender. Castlegate Financial Services is a team of experienced mortgage brokers who can work with you to assess the market to find the best-suited mortgage products for your personal financial situation, handling the entire application process on your behalf.
Experienced mortgage brokers work with mortgage lenders day in and day out. This means using an expert mortgage broker like ourselves really can be invaluable in helping you find the best mortgage product without the stress and wasted time going back and forth with lenders. Handling everything from searching for a mortgage deal to applying and communicating with the lender on your behalf. Our brokers will also know which lenders are likely to accept your application, helping you to steer clear of applications that may not be accepted (which can have a negative impact on your future applications) and advise on how to improve your application.
To get a rough idea of how much you might be able to borrow, you can use our borrowing calculator. We calculate this based on a simple income multiple, but, in reality, it’s much more complex, and is always best to speak to one of our brokers. After getting to know you, we will be able to give you an accurate idea of your borrowing potential, based on your own circumstances. Mortgage lenders calculate how much they’ll lend based on both your income and your outgoings among other factors, so the calculator provides useful guidance but should be seen as a rule-of-thumb result only.
Each mortgage lender has their own set of lending criteria that decides whether or not your application will be accepted. Many factors are taken into consideration including, how much you want to borrow, what type of property you’re looking to buy, your credit rating, and your affordability. If you want to know whether you can get a mortgage or what you need to do to get on the property ladder, it is always best to speak to our brokers early on. That way we can advise you on what options may be available or what you can do to improve your position for your application.
There are a few things that can affect how long a mortgage application takes, like which lender you’re applying with, what information they’ve asked you for, and how complex your situation is. But generally speaking, once you’ve submitted an application, it can take between 4-6 weeks for the lender to approve. This can take longer if you’re going it alone. Having an experienced mortgage broker by your side can help ensure your application and paperwork is all in hand, to prevent any unnecessary delays.
Yes, there are specific lenders not available on the high street, that are designed to help first time buyers with bad credit. If you are worried that bad credit might affect your ability to get on the property ladder, then speak to one of our advisors who will be able to help you understand how to improve your credit score and source specific lenders that can help you get on the property ladder.
There's no such thing as a
silly question
If you still have questions about mortgages, insurance or property investments then we’re here to help you get the answers you need.
Latest Insights From Our Brokers
SM
Sian Mitchell
Buying, selling and moving home can be stressful enough, without the added frustration of delays with your mortgage application!
There are a few factors that can affect how long your mortgage application takes – like which lender you’re applying with or how complex your situation is. However, one delay that you can avoid, is missing or incorrect mortgage application documents requested by the lender.
SM
Sian Mitchell
Overall property has always represented a good long-term investment opportunity, and is still one of the four most common types of investments, alongside cash, bonds and shares. Resilient and a largely stable investment market, historical evidence shows that property has the power to weather huge events such as the global financial crisis and the SARS outbreak, coming out of the other side stronger.
SM
Sian Mitchell
Never worked with a mortgage broker before and wondering whether you really need one? We explain what a mortgage broker is and how a good mortgage advisor can save you time, money, and stress!
SM
Sian Mitchell
Buying, selling and moving home can be stressful enough, without the added frustration of delays with your mortgage application!
There are a few factors that can affect how long your mortgage application takes – like which lender you’re applying with or how complex your situation is. However, one delay that you can avoid, is missing or incorrect mortgage application documents requested by the lender.
SM
Sian Mitchell
Overall property has always represented a good long-term investment opportunity, and is still one of the four most common types of investments, alongside cash, bonds and shares. Resilient and a largely stable investment market, historical evidence shows that property has the power to weather huge events such as the global financial crisis and the SARS outbreak, coming out of the other side stronger.
