Apex Mortgage Advisory
A clearer route to the right mortgage.
Independent, FCA-regulated advice across the whole market—explained clearly, managed carefully, and built around your life.
- Free & no obligation
- No credit score impact
- Reply within one working day
Specialist expertise
Advice shaped around where you are—and where you’re going.
Whatever stage you're at, you get advice built around your circumstances—not a lender's sales target.
First-time buyers
Deposit planning, government schemes and lender criteria explained end to end.
Remortgage
Rate reviews six months ahead of expiry, product transfers and capital raising.
Buy-to-let
Personal and limited-company landlord lending with rental stress testing.
Self-employed
Sole trader, partnership and director income assessed with the right lenders.
Plan with confidence
Useful numbers, without the sales pitch.
Get instant, no-sign-up estimates of your borrowing power and stamp duty before you speak to anyone.
Borrowing estimate
Indicative borrowing based on typical lender income multiples, stress-tested at 5.75%.
Indicative borrowing range
£173,000 – £205,000
- Typical loan (£194,000)
- £1,106.03 / month
- Stressed at +1% (5.75%)
- £1,220.47 / month
- Maximum property value with deposit
- £245,000
- Loan to income
- 4.31x
Estimate only. This is not a mortgage illustration, credit agreement or personal recommendation. Lenders assess affordability individually and outcomes will vary.
Representative example
A mortgage of £194,000 payable over 25 years, initially on a fixed rate of 4.75% for 5 years and then on a variable rate of 7.25% for the remaining 20 years, would require 60 payments of £1,106.03 and 240 payments of £1,402.25. The total amount payable would be £404,195, including interest, a product fee of £999 and a valuation fee of £295. The overall cost for comparison is 5.2% APRC representative.
We typically charge a fee for mortgage advice. The exact amount depends on your circumstances; our typical fee is £499, payable on application. We will also usually receive a procuration fee from the lender.
Tax estimate
England & Northern Ireland rates effective from 1 April 2025.
Estimated stamp duty
£2,500
Effective rate 0.71%
| Band | Rate | Tax |
|---|---|---|
| £0 to £300,000 | 0% | £0 |
| £300,000 to £500,000 | 5% | £2,500 |
Estimate only, based on standard England & Northern Ireland rates. Different rules apply in Scotland (LBTT) and Wales (LTT), and to non-UK residents, companies and mixed-use property. Confirm the payable amount with your conveyancer.
The process
Clear at every step.
- 01
Discovery call
A free, no-obligation conversation about your goals and timescales.
- 02
Fact-find & research
We assess affordability and search the market for suitable products.
- 03
Recommendation
A written recommendation explaining why the product suits your needs.
- 04
Application & completion
We manage the lender, valuation and solicitor process throughout.
A better place to begin
Understand your options before you make your next move.
Important information
We typically charge a fee for mortgage advice. The exact amount depends on your circumstances; our typical fee is £499, payable on application. We will also usually receive a procuration fee from the lender.
Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
The information on this website is for general guidance only and does not constitute a personal recommendation. Any recommendation will be provided in writing after a full assessment of your circumstances.