You and your Mortgage

Expertly-tailored mortgage advice is about listening to you and understanding your aspirations as much as it is about a deep understanding of the market. Covering everything connected with buying and protecting your home, it’s about getting the detail right.

Our in-depth knowledge means we can guide you through all aspects of the house buying process. Right from our initial fact-finding meeting where we discuss your goals and objectives, we are with you every step of the way to owning your home or new investment property.

At The Penny Group, we take the time to research and recommend mortgage products that suit you and your personal circumstances. Through being part of Openwork Limited, we benefit from some exceptional relationships with UK lenders and have access to over 50 different lenders. Whether you’re looking for a buy-to-let property, want to remortgage, or get a further advance from a home you already own – we can find the perfect product for you and ensure that you have the correct levels of life insurance and suitable protection in place.

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Types of Mortgage

We provide a full Mortgage service whether you’re a first time buyer, looking for your next investment or are looking to refinance an existing investment.

  • Residential
  • Buy-to-let
  • Commercial
  • Bridging loans & second charges
  • Remortgage & further advances

Commercial loans, some buy-to-let mortgages and bridging loans are not regulated by the Financial Conduct Authority.

Our approach to Mortgages

Step 1 of 6 - Comprehensive fact-finding

In order that we can provide the right advice, we run a fact-find process to understand you, your circumstances and your aspirations.

Step 2 of 6 - Expert recommendations

Your adviser will provide recommendations based on our expert knowledge of the market and specific research on your needs.

Why use a broker?

Step 3 of 6 - Completing your application

Your adviser will guide you through submission and introduce you to your relationship manager who will ensure everything runs smoothly. Their know-how can make all the difference – helping to find solutions to issues arising from the application.

Review our mortgage flow

Step 4 of 6 - Protection requirements

We will discuss your protection needs in detail, making certain that suitable arrangements are in place to ensure the loan is manageable in the event of something going wrong.

Learn more about protection.

Step 5 of 6 - Lender decision

If the lender decides your application is successful, your solicitor will scrutinise the lender’s offer. If you are unsuccessful don’t panic – your adviser will discuss the reasons and start to prepare a new application.

View our conveyancing flow

Step 6 of 6 - Exchange and completion

An exchange date provides the final date before you can withdraw from proceedings. Once you exchange contracts a completion date should be set, giving you legal ownership of the property. Solicitors will transfer all monies and take fees including Stamp Duty.


Need help with Mortgages?

Our business is based on taking the time to listen to people like you and providing advice to help you on your financial journey.

Other Services

Investments & Pensions

We have a deep understanding of products and the markets.


We can help you navigate and select the right insurance options to secure what matters to you most.

Estate Planning

Our financial knowledge allows you to manage your estate now and maximise the legacy you leave to your loved ones.

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