Mortgages

At Declan James, we believe in making the home-buying process as simple as possible, which is why we work closely with our trusted mortgage provider, House of Mortgages Ltd.

Together, we help you find the right mortgage, whether you’re a first-time buyer, investor, moving home, or looking to remortgage.

Mortgages & the Right Support

With so many mortgage options available, it’s easy to feel overwhelmed. House of Mortgages Ltd can help.

Their team of mortgage experts work behind the scenes to secure the best deal for you. With access to a wide range of lenders and years of experience, they will guide you towards the mortgage that best suits your needs.

Mortgage & Protection Advice from House of Mortgages Ltd

• First-time buyer support – Making sense of deposits, budgeting, affordability, and first-time buyer schemes to help you get move-ready.
• Home mover mortgages – Helping you understand the costs of moving and ensuring a smooth transition from one home to the next.
• Remortgaging advice – Finding better rates or releasing equity from your current property.
• Buy-to-let mortgages – Supporting landlords with investment opportunities.

Why Choose Declan James & House of Mortgages Ltd?

Finding a mortgage isn’t just about interest rates. It’s about making sure the process is simple, stress-free, and works for you. With House of Mortgages Ltd, you’ll benefit from:

• A complete home-buying service – From finding your home to securing your mortgage, we guide you every step of the way.
• Access to a wide range of lenders – More choice means more tailored advice.
• Clear, jargon-free advice – No confusing terms, just straightforward guidance from experts you can trust.
• Protection for you, your income, and your family, helping safeguard those who may rely on your earnings.
• A personal approach – Everyone’s situation is different, and we take the time to find the solution that works best for you.

Get Started Today

If you would like to discuss your personal mortgage requirements, visit: https://houseofmortgages.net/declan-james/ to start your journey.

Your home may be repossessed if you do not keep up repayments on your mortgage.

House of Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

The Financial Conduct Authority does not regulate most buy-to-let mortgages.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We normally charge a fee for our specialist mortgage service; however, there is no obligation to proceed. You can decide whether you would like to use our service after your initial meeting. Fees are dependent upon your circumstances, and our typical fee is £499, payable on application. We will always agree the fee with you before proceeding.

The guidance and information contained within this website are subject to the UK regulatory regime.