Logo

01403 337 115

Your Path to Buying a Home

Embark on your journey to homeownership with confidence and ease. Discover a wealth of comprehensive resources, expert guidance, and practical tips designed to empower you every step of the way. From understanding the market to securing financing and closing the deal, we provide everything you need to make informed decisions and achieve your dream of owning a home.

Get an Instant Quote Book a Call
Your Roadmap to Homeownership

Embarking on the journey to homeownership involves navigating the intricacies of the mortgage process and understanding the factors that influence your home buying experience.

1/3

Preparation

Begin by assessing your financial situation and credit score. Determine how much you can afford for a down payment and monthly repayments. We help you understand your financial readiness and explore mortgage options that align with your budget.

2/3

Loan Application

Once you're ready, we facilitate the completion of your mortgage application with your chosen lender. We guide you through every step of the application process, ensuring all required personal and financial information is accurately provided.

3/3

Approval and Closing

Upon successful underwriting, we celebrate with you as you receive your loan approval. We diligently review the terms and conditions outlined by the lender, including the interest rate, loan amount, and closing costs.

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

Understanding Credit Scores

Your credit score plays a crucial role in the mortgage application process. Here's what you need to know.

What is a Credit Score?

A credit score is a numerical representation of your creditworthiness based on your credit history. Lenders use it to assess the risk of lending to you.

Importance of Credit Scores in Mortgage Approval

Your credit score influences whether you'll be approved for a mortgage and the terms you'll receive, including the interest rate.

Impact of Credit Scores on Mortgage Rates

Higher credit scores typically lead to lower mortgage rates, which can result in significant savings over the life of your loan.

What types of mortgages are available to you?

Fixed Rate
Mortgages

A fixed rate mortgage is a type of home loan where the interest rate remains constant and does not change during the initial term of the mortgage...

Find Out More

Discount Rate Mortgages

A discount mortgage is a type of mortgage where the interest rate is discounted from the lender's standard variable rate (SVR) for a set period...

Find Out More

Variable Rate Mortgages

A variable-rate mortgage is a type of home loan where the interest rate can fluctuate over the life of the loan depending on a chosen index...

Find Out More

Tracker Rate Mortgages

The interest rate on a tracker mortgage tracks or follows movements in a chosen index, typically by a set margin above or below the index rate...

Find Out More

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

Expert Tips for Homebuyers

Discover invaluable insights and advice to guide you through the home buying process with confidence

Start Saving Early for Closing Costs

In addition to your down payment, you'll need to budget for closing costs, which typically range from 2% to 5% of the home's purchase price.

Mortgage in Principle Before House Hunting

Getting a mortgage in principle before you start house hunting can give you an edge in a competitive market.

Start Your Mortgage Journey

Take the first step to purchasing your desired property today.

Contact Us

Need some tools to support your home buying journey?

Repayment Calculator

Ready to take the guesswork out of your mortgage payments? Try our Mortgage Repayment Calculator now for quick and accurate estimates.

Use Calculator

Affordability Calculator

Curious about how much you could borrow for your dream home? Use our simple calculator to instantly gain clarity on your borrowing potential.

Use Calculator

Overpayment Calculator

Try our Overpayment Calculator to see how extra payments can save you time and money. Take control of your finances and pay off your mortgage sooner!

Use Calculator

Stamp Duty Calculator

Unlock the power of informed decision-making with our Stamp Duty Calculator. Discover how different property values and purchasing scenarios can impact your Stamp Duty costs.

Use Calculator

Frequently asked questions

Google Reviews

See What Our Customers Say

We take pride in our customer service and are committed to providing you with the best possible experience. Here's what some of our customers have to say about us.

owen humphreys

owen humphreys

5 Days old

This is the 2nd time Acre Mortgages has helped me out. Gregg explains everything very clearly, takes the time to understand requirements, and always finds the best deal. Highly recommend!

Sofiat Kolawole

Sofiat Kolawole

1 Month old

Gregg is the exact kind of adviser you want on your team when going through something as stressful and confusing as purchasing a home. His advice before offer was incredibly thoughtful and well-informed and helped me make the absolute best decision when choosing a property. He was so helpful post-offer all the way to completion - the team at Acre make sure you get all the necessary parts of the process done quickly and easily, from securing the mortgage offer to sorting insurance. I felt well-advised and confident throughout the process thanks to Gregg's outstanding client service and advice - thank you so much! Would highly recommend!

Mike Gippert

Mike Gippert

2 Months old

Gregg was amazing at supporting us with our first remortgage. He helped us secure a great interest rate during a turbulent market and answered any questions we had along the way. Highly recommend and we will be reaching out again when it’s time to remortgage in the future.

Tara Dennehy

Tara Dennehy

4 Months old

I have been so grateful for Gregg’s help whilst buying my first property. He has been very patient at leading me through the whole process and has always ensured the mortgage I got was what was best for me. Thank you!

Jake Dale

Jake Dale

6 Months old

I couldn't be happier with the service we received from Gregg at Acre Mortgages. From start to finish, he made the entire mortgage process smooth and easy to understand. His knowledge, communication and genuine care made a huge difference. Gregg took the time to explain every detail clearly and answered all our questions promptly. He even took time out personally to call us and go through the next steps when we had our offer accepted. He was always a step ahead of us! I cannot recommend Gregg highly enough!

Joseph Yaxley

Joseph Yaxley

7 Months old

I worked with Gregg many years ago, and we have stayed in touch. While I have always researched mortgage rates myself, I thought that enlisting professional help couldn't be a bad thing, so spoke to Gregg. I've carried out two renewals of mortgage rates with his help now, and both times found the process to be painless and Gregg's help and advice to be invaluable.

Lorraine Hambleton

Lorraine Hambleton

7 Months old

A huge thank you to Gregg and the team for a superb service in helping me to re-mortage when my fixed term recently came to an end. Made a £400 saving each month thanks to Gregg's expert eye on the market, and also ability to explain everything really clearly to me. Lots of handholding every step of the way, and anything I asked was never a stupid question. Thank you Gregg and team.... highly recommend!!

Ibs Bekir

Ibs Bekir

7 Months old

Acre mortgages have been fantastic! The service I’ve received from Gregg has been phenomenal. Very professional and at each stage the service was extremely helpful. My remortgage was smooth and seamless. Can’t thank the guys enough .

Brian M

Brian M

7 Months old

We had a fantastic experience working with Gregg when we first started thinking about buying a home. We didn’t know much at the beginning, but Gregg was incredibly patient and explained everything clearly about the mortgage process and the property market. His recommendations for a solicitor and surveyor were also excellent. Even after he went on to start his own company, he connected us with another advisor who was just as great, making the whole buying process smooth and stress-free. We’re very grateful and highly recommend Gregg!

Yesim Cella

Yesim Cella

7 Months old

Gregg was an absolute superstar - he made the whole mortgage process super easy, he found us the right deal and supported throughout our new house purchase - thank you Acre mortgages

Chris Waldron

Chris Waldron

8 Months old

Highly recommend as Gregg and team are super efficient, communicative and really understand the mortgage market, helping us towards purchasing our sons first property with a reputable lender at a great rate. Thank you Gregg / Acre Mortgages

Ademide Odunbaku

Ademide Odunbaku

8 Months old

Gregg from AcreMortgages has been great. If you need someone to take the stress out of a home purchase while working tirelessly to keep you informed then Gregg is your man. I found the combination of tailored customer service, driven by our initial consultation, and sound financial advice based on our needs supportive while also empowering.

Michael Davis

Michael Davis

8 Months old

Gregg Maxxom responded immediately to my requirements, even during his vacation. I strongly recommend Gregg and his team.

Ivan Heard

Ivan Heard

8 Months old

The acre mortgages team went above and beyond in helping us secure the right mortgage. They offered practical, well informed guidance on the available options and the process. 100% we’ll be using them again

Mount Pleasant

Mount Pleasant

8 Months old

Gregg has been an absolute pleasure to work with. He’s incredibly helpful and informative, always taking the time to explain everything clearly. His flexible and proactive approach means he’ll work hard to find a solution to any problem. What really stands out is that Gregg genuinely has your best interests at heart — he’s not just chasing a quick commission. It’s clear he truly cares about helping his clients make the right decisions. I’d highly recommend Gregg to anyone looking for a mortgage advisor they can trust.

Apples1974

Apples1974

9 Months old

Gregg is fantastic! He is extremely knowledgeable and has given me an extremely supportive service over the years, nothing is too much trouble. Gregg makes you feel comfortable by addressing all your questions without judgement (even the silly ones!). I have used Gregg for a number of years now for my mortgages and life insurance. Would highly recommend Gregg and Acre Mortgages.

B Campos

B Campos

9 Months old

Not only would I give Acre Mortgages 5 stars, but I would genuinely recommend them to anyone looking for diligent, competent, honest, and helpful brokers. Working with Gregg Maxam throughout the process made this incredibly difficult process easy and swift. We’re incredibly happy to have worked with Acre Mortgages and would whole heartedly recommend them to anyone looking to buy!

Zoe Reed

Zoe Reed

10 Months old

Gregg was amazing and very supportive. Gregg managed to make feel at ease and relaxed in our appointment. I felt comfortable asking lots of questions and he was very professional. I highly recommend Gregg to anyone. I have recently shared his details with my nephew who has also had an appointment. Thank you so much

Lewis Sage

Lewis Sage

10 Months old

Gregg at Acre Mortgages is incredibly friendly, reliable, and knowledgeable. From the moment we spoke, he offered clear, honest advice and went above and beyond to help. It’s rare to find someone in the mortgage industry who genuinely cares and takes the time to understand your needs. I wouldn’t hesitate to recommend Gregg at Acre Mortgages to anyone looking for expert mortgage advice and exceptional service.

Samuel Brooker

Samuel Brooker

10 Months old

Working with Gregg at Acre Mortgages has been a fantastic experience. His professionalism, deep knowledge of the mortgage market, and approachable nature make him stand out from the rest. Gregg takes the time to explain everything in simple terms, ensuring you feel confident and informed every step of the way. If you want a mortgage broker who is friendly, trustworthy, and delivers outstanding advice, Gregg at Acre Mortgages is the one to call.

Tracey Evans

Tracey Evans

10 Months old

I cannot recommend Gregg enough, he is so helpful & makes you understand everything & he keeps you updated as to what is going on & if he says he’s going to call/email he does, unlike previous people I have used, I wouldn’t go to anybody else now, highly recommend.

Matthew Woodhatch

Matthew Woodhatch

1 Year old

From the very beginning Gregg has been professional and personal, giving us guidance and support as first time buyers we were looking for. He was always going above and beyond to help us and we will be recommending him to anyone. Trustworthy and honest which means a lot these days.

karl reed

karl reed

1 Year old

Amazing service from Gregg at Acre Mortgages, Gregg spent a lot of time and effort explaining all the different options and scenarios to us. Communication was great, whether that be in person on the home visits or over teams Can not recommend Acre enough, a fantastic experience

Marinalva Sousa

Marinalva Sousa

1 Year old

Acre Mortgage helped us through the process of buying our dream home. Gregg’s approach was outstanding and we recommend him and his company services to anyone who plans to buy a house and needs professional help to do so. Thank you, Gregg god bless you!

Nathan Harrison

Nathan Harrison

1 Year old

Gregg and the team made my new mortgage application and subsequent mortgage switch an absolute breeze. No pressure was applied to commit to anything at any point and a friendly approach left me feeling at ease and I felt throughout that Gregg was striving to get me the best deal and had a wealth of knowledge. Would highly recommend, Thanks Gregg!

Fiona Findlay

Fiona Findlay

1 Year old

Excellent, personalised service, great attention to detail. Highly recommended. Fiona Findlay

Claire McKenna

Claire McKenna

1 Year old

I cannot recommend Gregg highly enough as a mortgage advisor! From the moment we connected, he made the entire process feel effortless with his upbeat attitude, deep expertise, and genuinely helpful advice. Gregg doesn't just provide information—he ensures you fully understand every step, empowering you to make the best financial decisions with confidence. His guidance is not only thorough but also incredibly insightful, making what can often be a stressful process feel smooth and even enjoyable. If you're looking for someone who is knowledgeable, proactive, and truly invested in helping you succeed, Gregg is the advisor you need. A five-star experience all the way!

Google Logo

5.0 rating from 27 reviews

Write a Review

Get a Mortgage Quote

Compare mortgage rates from top lenders and find the most suitable loan for you.

Get a Quote