Free Mortgage Advice
The deal hunter.
At Moat Mortgages, we don’t just chase the lowest rate, we hunt down the best overall deal for you.
Product fees, early repayment charges, and hidden extras… we analyze it all before we pin down the mortgage that saves you the most over the whole term.
We crunch the numbers. You keep the savings. Comparison sites just don’t compare.
The right adviser for everyone.
Employed or Self-employed. Contractor or Company Director. Salary or Dividends. Regular of Fluctuating income.
However you make and take your income, we’ll advise you on how to maximise the amount you can borrow and secure the property of your dreams, all from the comfort of your own home.

First-time buyer
If you’re buying a house for the first time, every penny counts. Choose Moat, and we’ll find your first mortgage for free.

Re-mortgaging
We’ll find you the best rate, sort out the paperwork, submit the application, and hopefully save you money in the process.

Moving home
We’ll find you the best rate, sort out the paperwork, submit the application, and hopefully save you money in the process.

Executive buyers
If you have a high net worth, your finances are probably more complex, and you may well place greater value on your time.

Buy-to-let
Whether you're building a property empire or investing for the first time, our buy-to-let service really is the business.
Type of mortgages explained.
Fixed-rate, variable-rate, tracker, discount, repayment, offset, interest-only… With so many choices, it’s easy to end up in a mortgage muddle.
We’ll cut through the jargon, guide you through your options, and lead you straight to the mortgage that’s right for you.

Fixed rate mortgages
Your interest rate stays the same for a set period (usually 2, 5, or 10 years), giving you consistent monthly payments and helping with budgeting.

Variable rate mortgages
Your interest rate can go up or down. There are several types:
A standard Variable Rate (SVR) is set by your lender and can change anytime.
A tracker mortgage follows the Bank of England base rate plus a set percentage.
A discount mortgage offers a lower rate than the SVR for an initial period.

Interest-only mortgages
You only pay the interest each month. The original loan must be repaid in full at the end of the term, often using savings or investments.

Offset mortgages
Links your savings to your mortgage. You don’t earn interest on your savings, but they reduce how much interest you pay on your loan.

Help to buy mortgages
Part of a government scheme aimed at first-time buyers. You get a government equity loan to help with your deposit.

Buy-to-let mortgages
Designed for buying property to rent out. Typically, these mortgages are interest-only and require a larger deposit.

Shared ownership mortgages
Buy a share of a property (e.g., 25–75%) and pay rent on the rest. You can increase your share over time.

First-time buyer mortgages
Designed to help first-time buyers get onto the housing ladder, offering lower deposit options, longer mortgage terms, and greater borrowing power.

Guarantor mortgages
A parent or family member agrees to cover your payments if you can’t. Ideal if your income is low or your deposit is small.

