Our Services

Mortgages Made Simple with Sapphire Mortgages

At Sapphire Mortgages, we understand that finding the right mortgage can feel overwhelming. With so many lenders and products available, it’s not easy to know where to start. That’s where we come in.

As a professional mortgage broker serving clients across England, we search a wide range of lenders to find a mortgage that’s tailored to your circumstances. Whether you’re buying your first home, remortgaging for a better deal, investing in property, or looking for a specialist solution, our experienced advisers are here to help.

👉 Book your no-obligation consultation today — call us on 020 3432 0444 or use our quick contact form.

Mortgages We Offer

First-Time Buyer Mortgages

Getting on the property ladder is exciting — but it can also feel daunting. We guide you through the process step-by-step, helping you secure the right deal, understand deposit requirements, and prepare for monthly repayments.

👉 Ready to take your first step? Contact us today for free advice.

Mortgages for Home Movers

If you’re moving home, you’ll need the right mortgage to suit your new property and changing needs. We’ll compare your options, from porting your current mortgage to arranging a brand-new deal.

👉 Speak to us about your next move.

Remortgages

There are several reasons to remortgage — and we can help with all of them:

Get a better rate: Switch to a more competitive deal and potentially reduce your monthly payments.
Further advance: Release equity to fund home improvements.
Debt consolidation: Restructure your borrowing by combining debts into one affordable monthly payment.

👉 See how much you could save by remortgaging — book your consultation.

New Build Mortgages

Buying a new build property often comes with unique considerations. We work with lenders experienced in this area to make sure you secure the right deal, whether buying off-plan or moving into a newly completed home.

👉 Contact us today to discuss new build mortgages.

Green Mortgages

Some lenders now offer preferential rates for energy-efficient homes. If your property meets the criteria, you may benefit from lower interest rates and added incentives.

👉 Ask us about green mortgages and how they could save you money.

High Net Worth Mortgages

If you’re seeking a large mortgage or have complex income streams, specialist lenders may be required. We provide access to bespoke mortgage solutions designed for high net worth individuals.

👉 Find out more about tailored high net worth mortgages.

Specialist Mortgages

Life doesn’t always fit into a standard mortgage application. That’s why we also arrange:

Self-employed mortgages – proving income beyond payslips.
Foreign nationals living in the UK – access to lenders that welcome non-UK citizens.
Contractor mortgages – tailored to flexible income.
CIS mortgages – designed for construction industry workers.
Joint Borrower Sole Proprietor (JBSP) mortgages – help from family without joint ownership.
Bad credit mortgages – options if you’ve had financial challenges in the past.

👉 Whatever your situation, we’ll explore every option to help you secure a mortgage; contact us to book your consultation.

Buy-to-Let Mortgages

Whether you’re investing for the first time or managing a property portfolio, we’ll help you find the right finance. Options include:

First-time landlord mortgages
Portfolio landlord mortgages
Let to Buy – keeping your current home to rent out while buying a new one
Holiday Let mortgages – for short-term rental properties
HMO (House in Multiple Occupation) mortgages – for multi-tenant properties
Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA.

👉 Discover how we can support your buy-to-let investment.

Why Choose Sapphire Mortgages?

Access to a wide range of lenders across the UK
Expert advice; tailored to your needs
Guidance through the entire process, from application to completion
Support with complex cases and specialist mortgages
A friendly, personal service with no jargon

Book Your Free, No-Obligation Consultation

Your mortgage is one of the most important financial decisions you’ll make. Let us take the stress out of it and find the right deal for you.

📞 Call us today on 020 3432 0444
📩 Or complete our simple contact form — and one of our advisers will be in touch.

Testimonials

At Sapphire Mortgages, we believe buying a home or protecting your family’s future should feel simple and secure. Founded by experienced advisers, we provide clear, personal guidance that puts you in control of your financial journey.

Joe P

Very personable and would highly recommend to anyone needing a mortgage or advice.

Maira has been absolutely brilliant from start to finish. Checking in with us every step of the way. Definitely going above and beyond.

Russel D

I would recommend Sue to anyone who needs to sort out their mortgage.

Sue offered brilliant and calm advice when we were really worried about what mortgage deal we would be able to get . She completely took all the stress and worry away from us and came up with good solutions that we were very happy with. The service was quick and efficient. I would recommend Sue to anyone who needs to sort out their mortgage.

Marina & Mike

Maira was brilliant and made the process of our re-mortgage a lot easier.

She provided good competitive options and provided real cost and savings, which enabled us to make an informed decision. We would highly recommend Maira to anyone! Thank you so much!

Lucy G

I felt completely supported throughout and had full confidence in her advice.

Sue recently helped me with both remortgaging my current flat and securing a mortgage for my onward purchase, at the same time. It was a complex process, but Sue made it feel straightforward from start to finish. She guided me through every step, explained my options clearly, and ensured everything stayed on track. Her professionalism, patience, and genuine care made a huge difference. I felt completely supported throughout and had full confidence in her advice. I wouldn’t hesitate to recommend Sue to anyone needing mortgage support , she really does go above and beyond.

Leonardo T

I highly recommend her services.

I am so grateful for all Maira did for me. My case wasn’t straight forward but she literally held my hands all the way giving me the support I needed. She is very patient to explain each step of the process, professional and knowledgeable.

Lucas F

I highly recommend Maira’s service!

She is extremely helpful, attentive, and efficient. The response time is impressive, and the communication in conversations and meetings is clear and concise. She dedicates her time with great care to address all doubts, taking the necessary time to ensure everything is clear. In a complex process like a mortgage, this is crucial, and she is highly competent for it. If I could, I would give more than 5 stars! If you need a mortgage advisor, she is the perfect person for the job! Besides being a great professional, she is also a wonderful mother and an amazing person!

GK Kemp

I can’t recommend Sue highly enough!

After being told by others that getting a mortgage wouldn’t be possible, a friend recommended Sue to me and she went above and beyond to make it all happen. From the very first conversation, Sue was professional, supportive, and incredibly knowledgeable. She explained everything clearly, guided me through each step, and always made time to answer my questions. Thanks to Sue, I’m now happy in my beautiful new home; and it wouldn’t have been possible without her! If you’re looking for someone who truly cares and will fight to get you the best outcome, you NEED Sue!

Sam E

We look forward to being in contact with them again for future mortgage needs!

Karen and Maira were a super help when we remortgaged. They were always available to answer questions and kept us in the loop every step of the way.

Henry R

Sue was incredibly helpful with my first mortgage as a first-time buyer.

Excellent service throughout – highly recommend!

Anna S

Sue is brilliant!

She was great help finding us a mortgage that worked for our lives, she was super patient on our meetings with our 2 young children running around and explained everything throughly. We've now got our dream house thanks again Sue!

Daisy C

Amazing service!

We were recommended to Karen by close friends and we are so incredibly grateful for the recommendation! Not only was Karen so knowledgeable and supportive in the process – she was also contactable via WhatsApp, phone and email making the entire experience that bit more personal. We are first time buyers and come against a few road blocks which Karen helped us overcome each of them. We are in our new home and couldn’t be happier to recommend Karen to our friends & family! Amazing service!

Julia S

Highly recommend!

We had a great experience working with Maira. She was incredibly patient throughout the entire process and took the time to answer all of our questions. As first-time buyers, we truly appreciated her clear explanations and the way she guided us step by step.

Seren E T

Sue is absolutely incredible.

She made our dream of becoming homeowners a reality. She took care of us and guided us through the process from start to finish and we highly recommend!

Ready to Take the Next Step?

Your financial journey deserves expert support. Whether you’re buying your first home, moving up the ladder, remortgaging, or safeguarding your family’s future, Sapphire Mortgages is here to make the process clear, simple, and stress-free.

Insights & Updates

Stay up to date with the latest mortgage and protection insights, tips, and news from our team.