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.

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.

Buy-To-Let Mortgages

Buy-to-let, limited company, HMO, and holiday let mortgages.

Specialist Lending

We offer flexible lending solutions for unique situations

Mortgage Protection

Cover your mortgage if life takes an unexpected turn.

Life Insurance

Protect your family’s future, no matter what.

Insurance & Protection

Personalised cover for life, income, health, home, and more.

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.

Residential Mortgages