Mortgages

Clear, personalised mortgage advice designed around your life, not just around interest rates.

At Roxton Wealth, we believe a mortgage should be something you understand and feel confident about, not something you rush into or feel overwhelmed by. Whether you’re buying your first home, moving, investing, or reviewing an existing mortgage, our advice is structured, practical, and tailored to your circumstances.

Mortgages should be a part of your life where you understand not just the monthly bulk you hate paying, you need to work with your mortgage not run away from your mortgage.

Working with your mortgage only happens when you understand it.

More Than Finding the Cheapest Deal

Finding a competitive rate is often the easiest part of arranging a mortgage.

What really makes the difference is understanding how your mortgage works, how flexibility, overpayments, terms, and structure can affect your finances not just now, but years down the line.

Our approach focuses on education and clarity. We take the time to explain your options, the trade offs involved, and how to make the most of your mortgage over time. Informed decisions lead to better outcomes, and that belief sits at the heart of everything we do.

How We Can Help

First Time Buyers

Buying your first home can feel exciting and overwhelming at the same time. We guide you through the process from start to finish, explaining each step clearly and helping you understand affordability, deposits, and lender criteria so you can move forward with confidence.

Moving Home & Porting Your Mortgage

If you’re moving home, you may be able to take your existing mortgage with you, but that isn’t always the right option. We help you understand whether porting, topping up, or starting afresh makes the most sense based on your current circumstances and future plans.

Remortgaging

Remortgaging is an opportunity to review your mortgage in the context of your life today. We look beyond rates to consider changes in income, goals, and priorities, helping you structure a mortgage that continues to support you as things evolve.

Buy to Let

We work with first time landlords and experienced portfolio landlords alike. Whether you’re investing personally or through a limited company, our advice is designed to support your wider property strategy while keeping things clear, compliant, and aligned with your long term goals.

Bad Credit Mortgages

Past credit issues don’t necessarily mean you’re out of options. We take the time to understand your situation, explain how it affects your choices today, and explore suitable solutions with lenders who take a more flexible view of real life circumstances.

Further Advances & Raising Capital

If you’re considering borrowing more against your property, we’ll help you explore whether a further advance, remortgage, or alternative approach is suitable. Advice is always based on your full financial picture and the implications for the future.

Equity Release & Long Term Care

Later life lending decisions require care and sensitivity. We provide clear, considered advice to help you understand how equity release or long term care planning may support your needs, while ensuring decisions align with your lifestyle, goals, and peace of mind.

What to Expect

Our mortgage advice is calm, structured, and transparent. We explain things in plain language, review your situation carefully, and guide you through each stage without pressure. The aim is not just to arrange a mortgage, but to help you feel confident in the decisions you’re making.

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Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate buy-to-let mortgages.

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.