Buying a house isn’t just a financial decision it’s emotional, exciting and deeply personal. We all imagine our dream home long before we start looking for one.
That’s why at Wealth Genius, everything begins with you. We take the time to understand what matters most, so the advice you receive feels genuinely right for your life.
First, we sit down and talk — no pressure, no judgement. We take the time to understand your goals, your financial position and the kind of future you’re working towards. It’s a relaxed conversation designed to help us get to know your world before we make any recommendations.
We compare lenders, rates and product options, breaking everything down in clear, simple language. Together, we build a mortgage plan that feels comfortable, achievable and fully tailored to your needs. We offer a mortgage review service that has access of the whole of market for mortgages, but not deals that you can only obtain by going direct to a lender.
When you’re ready to move forward, we take the stress off your plate. We manage your application from start to finish—handling paperwork, speaking directly with lenders and explaining every key document along the way. You can focus on the excitement of finding your new home while we take care of the detail.
Life doesn’t stand still, and neither should your mortgage. We stay in touch long after move-in day, reviewing your mortgage regularly and making adjustments as your circumstances change. We're here for the long run, supporting you through every stage of homeownership.
Investing in property can be a brilliant way to build long-term wealth — but it also comes with important decisions around returns, tax efficiency and sustainability. We’re here to help you strike the right balance from the very start.
Buy-to-let mortgages work differently from residential ones. Lenders use stricter stress tests and look closely at rental income, so setting up your finance correctly is essential. We guide you through every key decision, including:
Whether you’re purchasing your first rental home or growing an existing portfolio, we’ll provide clear, strategic advice in plain English. You’ll know exactly what to expect, what the numbers look like, and how each choice supports your long-term goals.
With Wealth Genius by your side, you can grow your property investments confidently and sustainably.
*Not all mortgage loans and services are regulated by the FCA. Some of the advice and services we provide may relate to loans which are either unregulated or have limited consumer protection. For example, Some buy to let mortgages are not regulated by the Financial Conduct Authority mortgages are regulated by the FCA. If a product is not regulated by the FCA, you may not be entitled to complain to the Financial Ombudsman Service about it or to claim from the Financial Services Compensation Scheme. We will tell you if a product we recommend is not regulated.
We search the whole of market for mortgages — including specialist lenders — to find the most competitive and suitable products. Whether you’re buying your first home, remortgaging, or expanding a property portfolio, we provide access to a range of suitable mortgage options. We offer a mortgage review service that has access of the whole of market for mortgages, but not deals that you can only obtain by going direct to a lender.
Your income structure may include banding, enhancements, locum work or variable pay. We understand how lenders assess NHS earnings and ensure your application reflects your income structure accurately.
Buy-to-let investments require careful planning around rental yields, tax efficiency and long-term portfolio strategy. We help you assess:
Mortgages can be complex. We break everything down simply — so you always feel informed, confident and in control of your decisions. From initial research to application submission, lender conversations and final approvals, we handle the entire process. You enjoy a smooth experience without the stress of dealing with multiple parties.
We monitor the market and review your mortgage arrangements periodically to assess whether your current deal remains appropriate for your circumstances. As your life changes, your mortgage strategy can be reviewed and adjusted to reflect your evolving needs and objectives.
Most lenders require at least 5–10% deposit for residential mortgages. Some government and Right to Buy schemes may allow less. The size of your deposit will highly depend on where you want to live and the size of your property.
Your borrowing limit depends on your income, existing credit commitments, and affordability checks. Many lenders offer between five or six times your annual income, though it can vary. For example, if your annual salary is £20,000, some lenders will lend you ~£100,000.
Agreement in Principle is an indication of how much you could borrow towards the purchase of a property. It shows agents and the people who house you are interested that you are more than interested to make a purchase, and in the financial position to do so.
Consider budgeting for:
Yes — most lenders accept gifted deposits from immediate family, as long as the gift is non-repayable.
If a mortgage is declined, it’s often due to affordability or credit factors. We can re-check affordability and place your application with a more suitable lender. If the valuation is below your offer price, you may need to renegotiate or increase your deposit.
Wealth Genius will guide you through this process to keep your purchase on track.
It is often good to start reviewing options 4–6 months before your current deal ends.
Prepare:
Having these ready allows faster approvals and smoother transitions.
Yes — you can raise capital during a remortgage for purposes like renovations, investments, or debt consolidation.
Yes, porting allows you to transfer your current mortgage rate and terms when moving house.
Porting is when you keep your existing rate on your mortgage when you buy a new home.
Most lenders support porting (subject to eligibility and new property valuation). We can help ensure the timing and property criteria line up so you avoid early repayment charges.
Lenders tend to have slightly differing criteria. Generally speaking, they require a minimum income of ~£25,000, and would typically need to cover 20% of the property value yourself in the deposit.
This is a property investment where you may secure a loan to become a landlord of a property, and you may rent it out to others for a profit.
With a tenant paying rent, this income ideally should cover the cost of the mortgage, but this is not a guarantee and similar to a normal residential mortgage, it is important to meet the mortgage repayments each month.
If you are considering getting a Buy-to-Let mortgage, Wealth Genius can help guide you.
Buy to Let mortgages are based on rental income you will likely make, rather than your salary. Lenders often require this rental income to be ~125% of your rental income.
Potentially yes. If you’re reducing your borrowing by moving to a cheaper property, porting may still work. However you would need to be cautious, your lender may view the loan-to-value (LTV) ratio differently and could require extra repayment or adjustments.
It varies. Although you keep your original lender, the process is very similar to applying for a new mortgage: property valuation, affordability checks, documentation. It may take around 1-3 months, depending on complexity.
