Get a Mortgage That Will Open Doors for You
Clear advice. Quick answers. The right mortgage for you.
Purchasing a House
How we can help you
Whether you’re moving home, buying a second property, or stepping onto the ladder for the first time (see our First-Time Buyer page for more on that). Fluent Money will guide you step-by-step through the purchase mortgage process and match you with the right lender for your circumstances.
From your first enquiry to mortgage approval, we’re with you all the way – making things faster, easier, and more personal.
How much can I afford to borrow for a new home?
You might be thinking about the extra monthly cost of a larger mortgage, new council tax bands, or rising utility bills.
Our advisors help you explore affordable options and build a realistic picture of what life in your new home might cost.
Use our Mortgage affordability calculator to compare current rates and monthly repayments.
What are current mortgage rates like?
Moving isn’t just about the mortgage – there’s council tax, energy bills, EPC ratings, and more to consider.
Use the EPC Checker (gov.uk) to view the energy performance of any property.
Use our Mortgage Calculator Tool to get a clearer picture of what you might be able to borrow based on your income and situation. Just a few simple details, and you’re on your way.
What’s the deal with Stamp Duty when moving?
If you’re unsure how much Stamp Duty you’ll need to pay (or if you’ll pay it at all), you’re not alone.
Use our Stamp Duty Calculator tool to find out exactly what you’ll owe based on your property and circumstances.
Can I port my existing mortgage?
If you already have a mortgage, you might be wondering if you can move it to your new property
Porting can be a good option depending on your lender and current deal.
Our advisors will walk you through what’s possible and whether switching might save you more.
Do I have to use the estate agent’s adviser?
Absolutely not! You’re free to choose your own broker – and many people prefer to.
You could get access to better deals, smoother journey and tailored support.
We’re not tied to one lender – we search across a wide panel to find the right fit and best chance of approval.
Am I ready to speak to an advisor?
If you’re wondering whether you’ve ticked all the boxes, we can help with that too. Our advisors are here to give you confidence you’re on the right track, and that when you do speak to us, you’ll know what to expect and what info you’ll need.
Important information.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £995
Ready to Move?
Whether you’re climbing the ladder or buying your next big project, don’t go it alone. With Fluent Money, you’ll have an expert in your corner, guiding you through every step – from budgeting to keys-in-hand.
Why Our Customers Recommend Fluent Money®
We’re one of the UK’s favourite finance brokers. Don’t believe us? See what our customers have to say:
Absolutely brilliant company and staff
From the advisor Vanessa Johnson who was amazing sorting out my mortgage professionally and very helpful keeping me up to date to Emma Hesdon who has continued to keep up the excellent service thank you for everything to done for me 😊
Fantastic Service from Danielle & Waqar!
A huge thank you to Danielle Emerson and Waqar Iqbal at Fluent Money for their outstanding support with my mortgage. Danielle was clear, helpful, and always available, while Waqar made the whole process smooth and stress-free behind the scenes. Truly grateful for their professionalism and dedication. Highly recommended!
I would highly recommend fluent money to anyone
Fluent money has remained consistent in making sure I get on the property ladder and have been pivotal in helping get the amount I wanted especially with how difficult it was for someone in my position as a first time buyer. I would highly recommend fluent money to anyone who needs help finding a mortgage no matter the circumstance.
Fluent have worked tirelessly
Fluent have worked tirelessly to secure me a mortgage offer, can not recommend them enough, my case manager Shannon was extremely helpful and always replied promptly.
Would recommend fluent for a quick and easy solution
Currently remortgaging with Kane and Chantelle (case manager). Both have been very thorough and helpful throughout. Mortgage offer accepted within 3 days. Thank you both! Would recommend fluent for a quick and easy solution for online mortgage advisors.
