A mortgage broker helps you find and arrange the right mortgage for your situation. At Victoria Park Mortgages, we compare deals from across the market, recommend suitable options, and manage the process from start to finish.

Yes. We are independent, whole-of-market mortgage brokers. This means we are not tied to any one lender and can search a wide range of mortgage products.

Banks only offer their own mortgages. A mortgage broker compares multiple lenders, including exclusive deals not available directly, helping you find a more suitable mortgage and saving you time.

No. We offer completely fee-free mortgage advice. You do not pay us for our service.

We are paid by the lender once your mortgage completes. This does not impact the deal or service you receive.

No. Our service is free. However, some mortgage lenders may charge product fees, arrangement fees, or valuation fees. These are set by the lender and not by us. We will always explain any costs clearly before you proceed.

Yes. We specialise in helping first-time buyers understand how much they can borrow, what deposit is needed, and how to secure their first mortgage.

Most lenders require at least 5 percent of the property value, although a larger deposit can improve your mortgage options and interest rates.

This depends on your income, expenses, and credit profile. We provide a personalised mortgage affordability assessment to give you a clear budget.

Remortgaging means switching your existing mortgage to a new deal, either with your current lender or a new one, often to get a better interest rate or release equity.

Many people remortgage when their current deal is ending. We recommend reviewing your options around six months before your deal expires.

Yes. We can help you arrange a new mortgage or transfer your existing deal when you move house.

Yes. We help landlords find suitable buy-to-let mortgages, whether you are purchasing your first investment property or growing a portfolio.

Lenders usually assess rental income as well as your personal financial situation. We will guide you through the requirements.

The typical mortgage process includes:

• Reviewing your finances and affordability

• Getting a mortgage agreement in principle

• Finding a property and making an offer

• Submitting your mortgage application

• Receiving a mortgage offer

• Completing your purchase

We manage the process and keep you updated at every stage.

Most mortgage applications take between two and six weeks, depending on the lender and your circumstances.

Yes - that’s our specialty. We deal with the paperwork, and lenders, to make the process as smooth as possible.

A decision in principle involves a soft credit check, a full mortgage application involves a hard credit check, but we guide you carefully to avoid unnecessary checks.

Yes, in many cases. We work with lenders who consider applicants with less-than-perfect credit histories.

Yes. We help self-employed clients secure mortgages using suitable lenders who understand complex income.

Life insurance is not always required, but it is strongly recommended to protect your home and family.

Yes. We can help you find suitable life insurance, income protection, and critical illness cover.

You can contact us to arrange a free consultation. We will review your situation and provide tailored mortgage options.

We will usually ask for details about your income, deposit, employment, and any existing financial commitments.

We provide expert, fee-free mortgage advice, access to the whole market, and a fully managed service from start to finish.

Our Approach

As a small mortgage brokerage, our direct environmental impact is limited. However, we recognise our responsibility to operate in a way that considers environmental impact where possible and practical within the nature of our business.

Our climate approach focuses on reducing unnecessary resource use, operating efficiently, and making environmentally conscious decisions where they align with our services and operations.

Key Environmental Commitments

We commit to the following practical actions:

We prioritise digital-first processes to reduce paper usage and minimise printing wherever possible.
We operate from shared co-working spaces rather than maintaining dedicated office premises, helping reduce energy consumption and resource use.
We encourage remote or low-travel client interactions where appropriate, reducing the need for unnecessary travel.
We aim to make responsible choices when selecting suppliers, tools, and technology services, considering efficiency and sustainability where feasible.
We promote awareness of environmental considerations within our operational decision-making where relevant to our business activities.

Areas of Focus

Given the nature of our business, our environmental focus areas are:

Efficient use of digital systems and cloud-based services
Reduction of unnecessary physical materials and waste
Preference for shared infrastructure over privately owned office resources
Responsible consideration of environmental impact in business operations where applicable

Continuous Improvement

We recognise that our approach to climate and environmental responsibility will evolve over time. We are committed to reviewing our practices annually and identifying practical opportunities to reduce our environmental impact in a proportionate way aligned with the scale of our operations.

As our business develops, we will continue to consider whether more formal environmental measurement or reporting is appropriate.

Governance

This Climate Action Plan is approved by the company’s directors and forms part of our wider commitment to responsible business practices.

Responsibility for overseeing environmental considerations sits with the directors and compliance function.