Residential Mortgages
Looking to buy your first home, move house, or remortgage your current property?
Buying a home is one of life’s biggest decisions. Whether you’re purchasing your first property, moving house, or remortgaging, finding the right mortgage can feel overwhelming. At Alphakey Mortgages, we make it simple.
We’re a whole-of-market mortgage broker, giving you access to products from across the UK mortgage market—not just a single lender. Our expert advisers take the time to understand your goals, guide you through your options, and support you from application to completion.
Residential Mortgage FAQs
What is a residential mortgage?
A residential mortgage is a loan used to purchase a home you intend to live in. The loan is secured against the property and typically repaid over a set term with interest.
Can I get a mortgage with a small deposit?
Yes, many lenders offer 5% or 10% deposit options, especially for first-time buyers. We can help you find the most suitable low-deposit mortgage deals available.
How much can I borrow for a residential mortgage?
This depends on your income, outgoings, credit history, and other financial commitments. We’ll assess your situation and guide you on how much you could borrow.
What documents do I need to apply?
Typically, you’ll need proof of income, bank statements, ID, and information on your current financial commitments. We’ll provide a full checklist when you’re ready to apply.
How long does it take to get a mortgage offer?
The process can take anywhere from a few days to several weeks, depending on the lender and your circumstances. We work to make it as smooth and quick as possible.
A residential mortgage is a loan used to purchase a home you intend to live in. The loan is secured against the property and typically repaid over a set term with interest.Yes, many lenders offer 5% or 10% deposit options, especially for first-time buyers. We can help you find the most suitable low-deposit mortgage deals available.This depends on your income, outgoings, credit history, and other financial commitments. We’ll assess your situation and guide you on how much you could borrow.Typically, you’ll need proof of income, bank statements, ID, and information on your current financial commitments. We’ll provide a full checklist when you’re ready to apply.The process can take anywhere from a few days to several weeks, depending on the lender and your circumstances. We work to make it as smooth and quick as possible.
Reasons to Use Us for Mortgage Advice
Whole-of-Market Access
We compare products across the UK to find the most suitable mortgage for your circumstances.
Clear, Personalised Advice
No jargon, no pressure—just tailored guidance to help you make informed decisions.
Support for Buyers
Whatever your stage in the homebuying journey, we’re here to help.
Connected Services
We can introduce you to trusted solicitors, surveyors, estate planners, and will writers.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Residential Mortgages
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Buy-To-Let Mortgages
Specialist Lending
We offer flexible lending solutions for unique situations
Specialist Lending
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Mortgage Protection
Life Insurance
Protect your family’s future, no matter what.
Life Insurance
Insurance & Protection
Personalised cover for life, income, health, home, and more.
Protection Services
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.