MORTGAGE & EQUITY RELEASE

Find the right mortgage to secure your home. Unlock the value in your home to live the way you want.


Whether you’re buying your first home, refinancing to save money, expanding your property portfolio, or looking to release cash later in life, having the right mortgage or equity release solution can make a world of difference. At NTM, we offer clear, expert advice to help you make confident decisions without confusion, stress, or hidden catches.

WHAT WE HELP YOU WITH

FINDING THE RIGHT MORTGAGE FOR YOUR SITUATION

We search the whole market, from high street lenders to specialist providers, in order to find the right mortgage that fits your current financial situation and long-term plans. Whether you're a first-time buyer, moving home, or remortgaging.



Assessment of your income, credit history, affordability allows us to find the right deal to avoid disappointment. Handling the application and our experience in solving problems reduces the stress.

SUPPORTING COMPLEX INCOME & INVESTMENT MORTGAGES

Self-employed? Running a business? Buying to let? We specialise in helping people with non-standard income or specialist mortgage needs and help guide you through affordability rules and lender expectations with clarity and confidence.

REMORTGAGING & RATE SWITCHING

Don’t pay more than you need to. We help you review your existing mortgage, compare better deals, and switch lenders or rates. So, your home loan stays competitive and cost-effective.

EQUITY RELEASE & LIFETIME MORTGAGES

If you're 55 or over, equity release may offer a way to access tax-free cash from your home without needing to move. We provide independent, regulated advice to help you understand how lifetime mortgages work, what they cost, and whether it's the right option for your plans.

PROTECTING YOUR MORTGAGE & HOME

Alongside mortgage advice, we can help you put protection in place - like life cover, critical illness, or income protection - so your home and financial commitments are secure, even if life changes unexpectedly.

WHO THIS SERVICE IS FOR

This service is ideal for:

  • First-time buyers needing expert guidance
  • Homeowners looking to switch, save, or remortgage
  • Self-employed or business owners with complex income
  • Over-55s considering equity release options
  • Landlords and buy-to-let investors

How we work with you

  1. We Start With What You Want
    Whether you're buying, refinancing, investing, or unlocking equity, we make sure we understand your financial goals and personal circumstances first.

  2. We Complete a Financial Assessment
    To establish what is possible and avoid disappointment and stress

  3. We Research the Whole Market
    We compare mortgage or equity release products from a wide range of providers, based on fees, flexibility, rates, and long-term suitability.

  4. We Guide You Through Application and Administration Process
    From lender applications to solicitor liaison, we oversee the process from start to finish, keeping it simple, transparent, and stress-free.
WHY OUR CLIENTS CHOOSE US...
Independent, FCA-regulated mortgage and equity release advisers

Whole-of-market access — not tied to any single lender

Clear, expert guidance (no jargon, no sales pressure)

Support with protection planning to keep your home secure

FAQ's

  • What’s the difference between a mortgage adviser and a bank?

    Banks employ mortgage advisers to sell and advise on the products they offer. As independent advisers, we search the whole market to find the deal that’s truly best for you. 


    Offering unbiased, tailored advice gives you a wider choice of rates and features. This is very important for the likes of the self-employed and those seeking a non-standard mortgage.

  • What is the difference between and fixed rate and variable rate mortgage?

    A fixed‑rate mortgage keeps your interest rate and monthly payments the same for an agreed period, giving you stability and predictable costs, while a variable‑rate mortgage can change over time, meaning your payments may go up or down depending on the lender’s rate or movements in the Bank of England base rate.

  • Can I get a mortgage if I’m self-employed?

    Yes, but the application process may require different documents and lender criteria. We specialise in helping self-employed clients present their finances clearly and successfully.

  • What is equity release and is it right for me?

    Equity release may be right for you if you want to unlock money from your home without moving, but it depends on your age, long‑term plans, income needs, and how important leaving an inheritance is. 


    It can provide tax‑free cash to improve your lifestyle, clear debts, or support family, but it also reduces the value of your estate and may affect benefits. Getting personalised advice is essential to understand the costs, risks, and whether it truly fits your financial goals.

  • How can I benefit from equity release?

    Equity release can benefit a consumer by unlocking tax‑free cash from their home without needing to move, giving them extra funds to boost retirement income, clear debts, make home improvements, or support family. 


    It allows homeowners to access the value tied up in their property while continuing to live there, with flexible options for repayments and the reassurance of regulated protections such as the no‑negative‑equity guarantee.

  • Do I need to review my mortgage regularly?

    Yes. Even if you're happy with your lender, markets change. We recommend reviewing your mortgage every 2–3 years or at the end of a fixed term to avoid paying more than necessary.