Getting a mortgage can feel daunting, but whether you’re buying your first home, moving, or remortgaging, we’re here to guide you through every step.
We work with a wide range of lenders—from major banks to specialist building societies—to find the mortgage that best suits your needs. We also handle the paperwork and liaise with solicitors and estate agents, helping you secure your ideal home with confidence.
Whether you own one rental property or manage a full portfolio, we know your investment is a business—and having the right support is essential. With frequent changes to landlord regulations and Buy to Let rules, we stay up to date and explain how they may affect you.
We work with a wide range of specialist lenders, so whether you need advice on a limited company portfolio, an HMO or a multi-unit freehold, we can help. Alongside your solicitor, accountant and lettings agent, we aim to be a key part of your team, offering expert guidance on the Buy to Let market.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
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.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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.
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!
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
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 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
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 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.
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.
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.
Our advisors are friendly and super knowledgeable. Feel free to ask questions as you go along, and we are happy to speak to you as many times as you need before you move forward with your plans.
You will receive a personal mortgage illustration with all the figures to digest in your own time.
We will work with the lender on your behalf and strive to secure your formal mortgage offer.
We stay in touch with both you and your solicitor through to completion. Over the lifetime of your mortgage we will stay in touch with regular reviews of your mortgage and protection products.
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Call us on 0203 988 0500
New Enquiries – angie@love2mortgage.co.uk
Cases in progress – casemanager@love2mortgage.co.uk
Love 2 Mortgage Limited is registered in England and Wales with company number 1410122. Registered Office: Cobhams, 73 Liverpool Road, Crosby L23 5SE.
Please be aware that by clicking on to the above links you are leaving Love 2 Mortgage Limited website. Please note that Love 2 Mortgage Limited nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.
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 £695 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 1410122. 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.
