FCA AUTHORISED, WHOLE OF MARKET

Know what you can borrow before a lender tells you.

Ashcombe is an independent mortgage broker covering the whole of market. Run your figures and see the borrowing, the monthly payment, and the stress-tested payment a lender actually assesses you against.

74 lenders on panel

No fee until your offer

Average offer in 18 days

What could you borrow?

Change any figure and every number updates. The stress-tested payment is the one lenders assess, and it is the reason affordable-looking cases get declined.

Affordability calculator

Your income£

Joint income£

Deposit£Monthly commitments£

Rate %

Term (years)

Mortgage type

You could borrow£333,000

Property budget£373,000

Deposit£40,000

Loan to value89.3%

Loan to income4.32x

Monthly repayment£1,727

Stressed at 7.7%£2,374

Based on 4.5x income after commitments, stress tested 3 points above the pay rate. Lender criteria vary. An estimate, not a mortgage offer.

74

Lenders on panel

Whole of market, not a panel of six

74

Lenders on panel

Whole of market, not a panel of six

18 days

Application to offer

Median across cases completed this year

18 days

Application to offer

Median across cases completed this year

94%

Offer rate first time

Because we read criteria before we apply

94%

Offer rate first time

Because we read criteria before we apply

A rate table is not advice.

Comparison sites rank by headline rate. Lenders decline on criteria. The gap between those two things is the entire job, and it is why a case that looks affordable online still gets turned down.

Whole of market, not a panel of six

We read the lending criteria, not just the rate

Your case is packaged before it is submitted

One considered application, not four hopeful ones

What we arrange

Six routes, one conversation. Rates shown are indicative and move constantly, so treat them as a starting point rather than a quote.

First-time buyer

First-time buyer mortgages

Buying your first home with as little as 5% down. We handle the deposit gap, the paperwork, and finding the lender who will actually say yes.

FROM

4.62%

MAX LTV

95%

LENDERS

Moving home

Porting your existing deal or starting fresh. We run both and show you which one actually costs less across the full term.

FROM

4.38%

MAX LTV

90%

LENDERS

Remortgage

Remortgaging

Coming off a fixed rate? We start six months out so you never roll onto the standard variable rate by accident.

FROM

4.19%

MAX LTV

85%

LENDERS

Buy-to-let

Portfolio and single-property landlords, personal name or limited company. Rental cover is calculated before we approach any lender.

FROM

4.94%

MAX LTV

75%

LENDERS

Specialist

Self-employed mortgages

One year of accounts, retained profit, contractor day rates. We know which lenders read your figures the way you do.

FROM

4.71%

MAX LTV

90%

LENDERS

Specialist

Adverse credit

Defaults, CCJs, a missed payment three years ago. Declined elsewhere is where most of our specialist cases begin.

FROM

5.84%

MAX LTV

80%

LENDERS

What we charge, in writing, up front

Every fee is disclosed before you apply for anything. No percentage of the loan, and nothing payable if we cannot place your case.

Nothing until your offer

We charge no advice fee until a formal mortgage offer is issued. If we cannot place your case, you owe us nothing at all.

Nothing until your offer

We charge no advice fee until a formal mortgage offer is issued. If we cannot place your case, you owe us nothing at all.

A flat fee on completion

A single advice fee agreed in writing before any application, not a percentage of what you borrow. Larger loans do not cost you more.

A flat fee on completion

A single advice fee agreed in writing before any application, not a percentage of what you borrow. Larger loans do not cost you more.

Lender commission declared

Lenders pay us a procuration fee too. We tell you exactly what it is on every recommendation, so you can weigh the advice properly.

Lender commission declared

Lenders pay us a procuration fee too. We tell you exactly what it is on every recommendation, so you can weigh the advice properly.

Cases we placed

Two lenders had already declined us on my accounts. Ashcombe found one that reads retained profit and we completed six weeks later, at a better rate than the ones that said no.

Daniel Okonjo

Company director, Sheffield

Two lenders had already declined us on my accounts. Ashcombe found one that reads retained profit and we completed six weeks later, at a better rate than the ones that said no.

Daniel Okonjo

Company director, Sheffield

I had a default from 2022 and assumed that was that. They pulled my file first, explained exactly which lenders would look past it, and we only ever made one application.

Priya Raman

First-time buyer, Leicester

I had a default from 2022 and assumed that was that. They pulled my file first, explained exactly which lenders would look past it, and we only ever made one application.

Priya Raman

First-time buyer, Leicester

Find out where you stand in ten minutes

No credit check, no hard search, no obligation. Just an honest read on what a lender will do with your case.