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Welcome to Love 2 Mortgage

At Love 2 Mortgage our clients are at the core of everything we do

Homeowners, home movers and first-time buyers

Arranging a mortgage is a big commitment and it can feel quite daunting. Whether you are a first-time buyer, home mover or looking to remortgage your existing property, we are here to support you throughout the whole process.

We have access to a comprehensive range of lenders including high street banks plus many lesser-known building societies, so we can secure you the most suitable mortgage for your individual needs and circumstances. Plus, we handle all your paperwork and can liaise with solicitors and estate agents on your behalf. We will aim help you each step of the way in securing your dream home and finding the most suitable lender for what will likely be your largest financial commitment.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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Property Investors

Whether you are building a property portfolio or have just a single buy to let property we appreciate this is your business and it is important to have the right team around you to make sure your property business is both successful and profitable.

There have been many regulatory changes for landlords and Buy to Let Mortgages over the recent years and we keep on top of all these changes and how they could affect you. We have contacts within the vast majority of specialist lenders, so if you are looking for advice for your Limited Company portfolio, HMO or Multi Unit Freehold property, we are experts in this field. Your broker, solicitor, accountant and lettings agent will be key to making sure your portfolio thrives. As your mortgage broker, with our in-depth knowledge of the buy to let mortgage market, we believe we will be an invaluable part of your team.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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Your insurance and protection needs

As part of your mortgage conditions you will be required to have building insurance as a minimum cover but there are many other insurance policies that you can explore.

You and your earnings are your biggest asset, so along with protecting your home with insurance cover we can also discuss how you can protect your loved ones and your earnings in the event of a long-term critical illness or in the worst case, death. The risk of leaving debt and living costs to your family to manage or repay is something we can provide a solution for with a full review of all your protection needs.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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About Us

At Love 2 Mortgage our clients are at the core of everything we do. Our commitment to you is to provide a truly personal service. Love 2 Mortgage is built on our relationships with our clients & our relationships with their lenders. We don’t work for any specific banks or building societies, we work for YOU.

We pride ourselves on getting to know you and what makes you tick so that we can go above and beyond to secure the finance most suited to your needs. With our contacts within the lenders, we can use our expertise to recommend bespoke solutions for even the most complex situations.

We would love 2 hear from you. Please get in touch for your free initial mortgage consultation.

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0203 988 0500
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Our Mission

Does anyone really love 2 mortgage? I’m guessing the answer is no. The mortgage is your means to an end…. your dream home, your peace of mind in securing a fixed payment on your biggest debt, and it’s you growing your property investment portfolio. These are the things we really love.

It’s not just about securing mortgage lending, it’s about us working with you to secure your future aspirations. Our mission isn’t just to get you finance, it is to aim to get you to that end goal and to make sure that whatever life throws at you, you can keep it. Whatever it is you are striving for we want to know about it, and we want to get to know you and be part of your journey.

Get in touch now for a no obligation chat and see how we can work with you to add as much value as possible to your residential mortgage and investment property plans!

Get in touch

0203 988 0500
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Services We Provide

Buy to Let

A Buy to Let Mortgage is a mortgage on an investment property rather than your home.We have vast experience advising in portfolio lending, limited company lending, HMO’s and Multi-unit freehold blocks. Many of which require more specialist lenders.

There have been many changes for Buy to Let Mortgages over recent years with the introduction of harsher stress testing across your portfolio and increased underwriting checks for portfolio landlords. It’s never been more important to have an expert broker working with you for your Buy to Let lending.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

First Time Buyers

Buying your first home is a massive step and we are here to support you each step of the way. We recommend an initial chat to talk through the process and to determine how much you can borrow and then go from there.

We can also look at some mortgage figures together and explain how it all works. First time buyer mortgages work the same as any other mortgage, but some lenders can offer certain products that are specifically for first time buyers. All lenders have different criteria and affordability guidelines. Using a broker means you can get advice in one place based on all of the lenders on our panel’s criteria, rather than being restricted to just one bank.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Remortgage

Remortgage is the term used when you review and change your mortgage deal. There are many reasons why you might remortgage, you may be coming to end of your fixed deal, or you may want to raise some money for things like home improvements.

You have the option to stay with your current lender and they will offer new products which we can show you, but you will also be able to remortgage to a new lender if that works better. We recommend a regular review of your finances, and we will keep in touch with you through the life of your mortgage to make sure you always have the most suitable mortgage product for your individual circumstances.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Home Movers

You are classed as a home mover if you are moving to a new home. Moving house can be one of the most stressful times in life but we aim to take some of the stress away.

We are by your side from the start and can help by looking at how much you can borrow to move, handing your mortgage application and keeping in touch with estate agents on your behalf, both while you are viewing properties and during the moving process itself.

Most mortgage products offer something called porting where you move your mortgage to your new home. This still requires a mortgage application, and we can advise and assist with this. We can also look at other lenders to see if remortgaging to a new lender in conjunction with moving is most suitable for you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Life & Critical Illness Cover

Life insurance the most simple and basic form of insurance designed to pay out a lump sum if you die. No one likes to think about this worst-case scenario, but it is important to consider, especially if you have a family and/or a joint mortgage.

Critical illness cover can be arranged in conjunction with life cover or as separate policy. This type of insurance is designed to pay out a lump sum if you are diagnosed with a serious or critical illness. The common conditions that are covered are certain types of cancer, heart attack and stroke but there are many more. Most of the conditions are recoverable but would impact your life and ability to work for a period or even for life.

Different insurers have a specified list of what they consider is a critical illness, and that, subject to cover, may depend on a full assessment of your health/medical history and will be subject to application /underwriting. The cover only applies should you be diagnosed with an illness detailed by the insurer in their policy.

For both insurances the lump sum can be tailored to your mortgage, or it can be a set figure.

Income Protection

Once we get you the keys to your property, we want to make sure that there is nothing life can throw at you which results in you having to give those keys back.

Your ability to earn a living can be impacted by many things including long term or serious illness. Income protection insurance is designed to pay you a monthly amount to cover your mortgage and household bills/spending if your ability to work is impacted.

The cover is tailored to your individual income and would be based on a percentage of your current income. Cover would be subject to a full application/underwriting, including full and accurate declaration of employment and income information. The income protection cover only applies should you be diagnosed with an illness detailed by the insurer in their policy.

Home Insurance

If you have a freehold property your mortgage lender will insist that you have buildings cover as a minimum insurance cover.

Buildings insurance covers the cost of repairing or rebuilding your home if it is damaged due to events such as fire or flood. There is the option to add contents cover which will insure your furniture & belongings inside the home. You also can add extra features such as cover for personal items outside the home and home emergency cover.

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Daryl, London
Business Man

‘I’ve used many brokers over the years and have always struggled to find one who is actually proactive and you don’t have to constantly chase. Angie from Love to Mortgage now looks after my whole portfolio of London Properties and I will never go elsewhere! She is extremely quick to respond, great at finding the best options and always keeps me updated throughout the whole process. I deal with Angie on buy to let, residential and any remortgages and she has never failed to impress. Her service goes above and beyond. She is always contactable both on the phone and very quick to respond to emails. I can’t recommend her highly enough and have to say I am so pleased to have finally found a decent broker I can rely on and go back to regularly.’

June, 2022
Claire & Matthew, Dartford
Freelancer
“We asked for Angie’s help when our mortgage came up for renewal. This coincided with us moving house and she promptly found us the best solution that worked perfectly within our timeframe.  Angie kept us well informed throughout the whole process and we even had the added surprise of a significant saving we would never known about had it not been for Angie’s transparency and integrity. We have already recommended Angie to friends and wouldn’t hesitate to contact her again when we need to.“
June 2022.
Ruby , London
Business Owner
“Wonderful experience, Angie was friendly, welcoming and full of knowledge, she made myself and my partner feel completely at ease throughout the whole process. We had endless questions as we are first time buyers but Angie and her team was extremely contactable to fully answer all our queries. Highly recommend and will forever pass on our highest of recommendation to family and friends.”
July 2022

Angela Blakesley, Director CeMAP

Company Director and Senior Mortgage & Protection Advisor, Angela Blakesley, has over 18 years of experience in the industry and over 6 years’ experience working within the specialist Buy to Let sector, she was recognised and awarded at The British Specialist Lending Awards 2019 in the category Broker for Complex Buy to Let.

Throughout her years of experience in buy to let she has also maintained her expertise in residential mortgages, helping her regular clients (many of whom have become friends!), plus their friends and family, with their home mortgages. She is determined to give you a great service and prides her prides herself on being open and communicative every time.

Get in touch

0203 988 0500
Get in touch
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How We Work

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    Step One

    An initial chat – talk through your current circumstances and what you’re looking to achieve. We are fully flexible and because we know your time is precious, we can chat outside of usual office hours at a time that works for you. This is a no obligation chat, our advisors are friendly and super knowledgeable. Feel free to ask as many questions as you go along. We are happy to speak with you as many times as you need before you move forward with your plans.

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    Step Two

    Our recommendation – we will use our experience and knowledge of the different lenders and their criteria to recommend the best mortgage deal tailored to your current circumstances. Whether this is for your home, a single buy to let mortgage or a full buy to let portfolio we understand how important it is to secure the right finance and here we do the hard work for you, using our expertise and connections to source the terms most suited to your needs. We will present our advice to you, and you will receive a personal mortgage illustration with all the figures to digest in your own time.

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    Step Three

    Secure your mortgage – can you imagine having a personal assistant specifically for your property finance…that’s us! We work for you!  Provided you are happy with our recommendation, we will prepare your application. All lenders have different requirements and criteria, and we know these requirements and which documents and details are important to each lender, so we aim to ensure a smooth process. We will work with the lender on your behalf and strive to secure your mortgage offer.

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    Step Four

    Our work for you doesn’t end there. Once your mortgage offer is issued by the lender we will stay in touch with both you and your solicitor through to completion. We will also offer a full review of your insurance and protection needs. Some insurances are required by the mortgage lender, but there are a whole host of different policies you can consider which we can guide you through. Over the lifetime of your mortgage we will keep in touch with regular reviews of your mortgage and protection products.

Get in touch

Call us on 0203 988 0500

Contact us via Email

New Enquiries – angie@love2mortgage.co.uk

Cases in progress – casemanager@love2mortgage.co.uk

Registered Office

Love 2 Mortgage Limited is registered in England and Wales with company number 1410122. Registered Office: Cobhams, 73 Liverpool Road, Crosby L23 5SE.

Get a free initial Mortgage Consultation today!

Important to Know
Our initial mortgage consultation is free and with no obligation, should you proceed to an application there will usually be a fee for mortgage advice. Our fees are tailored to your circumstances and the complexity of the transaction, the fee can be up to £995 for specialist/complex cases but the typical fee is £495 payable on application. We will always confirm our fees to you upfront and these will be confirmed in your initial mortgage quote.
Love 2 Mortgage Limited, trading as Love 2 Mortgage, is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Love 2 Mortgage Limited is registered in England and Wales with company number 14100122. Registered Office: Cobhams, 73 Liverpool Road, Crosby L23 5SE.
The guidance and/or information contained within this website is subject to the UK regulatory regime and therefore targeted at consumers based in the UK.