Find out more about our trusted services and take the first step toward securing the right mortgage for your future. Below we have some information that might help you decide the type of mortgage that suits your needs, if any of these are what you are looking for then you are in the right place. Simply click ‘get started‘ and let us get to know you and your circumstances. Just like that your mortgage journey has begun.
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Buying your first home is a big milestone and securing the right mortgage can make all the difference. First-time buyer mortgages often come with competitive rates, lower deposit requirements, and access to government-backed support schemes like the First Homes Scheme, Lifetime ISA, Shared Ownership, and the Mortgage Guarantee Scheme. Our expert advisers take the time to understand your goals and guide you through the entire process, from budgeting to approval. We simplify the jargon, compare deals across the market, and ensure you feel confident every step of the way. With personalised advice and genuine support, we’ll help you turn your first home dream into a reality the smart and stress-free way. Read More…
Investing in property can be a smart way to build long-term wealth, but navigating Buy-to-Let mortgages requires specialist knowledge. Whether you’re a first-time landlord or expanding your portfolio, Zelus Mortgage and Finance offers expert advice tailored to your investment goals. We help you understand key factors like rental yield, interest-only vs. repayment options, and lender criteria that differ from residential mortgages. Our advisers compare competitive deals across the market and guide you through affordability checks, tax implications, and future planning. With our insight and support, you’ll make confident, well-informed decisions that maximise your return on investment and keep your property ambitions on track. Read More…
Interest-only mortgages can offer lower monthly payments, making them an attractive option for certain borrowers, particularly investors or those with a solid repayment strategy. With this type of mortgage, you only pay the interest each month, meaning the full loan amount remains outstanding until the end of the term. Because of this, it’s essential to have a clear and approved repayment vehicle in place, such as savings, investments, or the planned sale of a property. Our experienced advisers assess your financial position, explain lender criteria, and ensure you fully understand your obligations. We’ll help you explore whether an interest-only mortgage is right for your goals and guide you in setting up a suitable repayment plan for peace of mind. Read More…
Remortgaging can be a powerful way to take control of your finances, whether you’re looking to secure a better rate, release equity, or reduce monthly repayments. We help you explore the full range of remortgage options available, including product transfers, switching lenders, or borrowing more for home improvements or other goals. Our experienced advisers handle the complexities, from timing your remortgage correctly to navigating lender requirements, ensuring you don’t miss out on valuable savings or opportunities. With our expert, personalised support, you can make smart financial moves with clarity and confidence. Read More…
Getting a mortgage when you’re self-employed or working on a contract can feel more complex, but with the right advice, it’s entirely achievable. We understand how lenders assess non-traditional income, whether you’re a sole trader, company director, or contractor with variable earnings. Our expert advisers know which lenders are most flexible and what documentation you’ll need to strengthen your application, such as SA302s, tax returns, or contract agreements. We simplify the process, match you with suitable mortgage deals, and help you present your finances confidently. With tailored support and insider knowledge, we turn potential obstacles into smooth steps forward on your property journey. Read More…
Shared Ownership mortgages offer an affordable route onto the property ladder, especially if you’re not quite ready to buy a home outright. By purchasing a share of a property and paying rent on the remaining portion, you can enjoy lower upfront costs and gradually increase your ownership over time. We help you navigate the unique structure of Shared Ownership, from eligibility checks to understanding lease terms and staircasing options. Our advisers work closely with housing associations and specialist lenders to find the right mortgage for your circumstances. With our clear, step-by-step guidance, you can move forward with confidence and make homeownership a reality one smart step at a time. Read More…
A bridging loan is a short-term finance option designed to help you secure funds quickly, often within days. It’s commonly used to bridge the gap between selling one property and buying another, buying at auction, or completing renovations. Bridging loans are secured against property and tailored for speed, flexibility, and opportunity. Read More…
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Have unique or complex mortgage circumstances? We’re here to help. At Zelus Mortgage and Finance, we understand that no two financial situations are the same and that’s exactly why we offer personalised, honest advice. Whether you have a non-standard income, adverse credit, or something else entirely, we encourage you to get in touch. Our experienced advisers will take the time to understand your needs, explore your options, and let you know upfront if we can assist. There’s no pressure, just clear guidance and a genuine commitment to helping you move forward with confidence.