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Mortgages and Loans

Securing the right mortgage or loan isn't always easy, but we're here to ensure the process runs smoothly and efficiently. Whatever your individual circumstances, we'll help you find a suitable lending solution.

Mortgages to suit you.

Whether you're buying your first home, investing in property or releasing equity from your home, we can help.

Our expert, independent mortgage advice will make your plans a reality and we have a simple belief that we're here to help.

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Buying a House

First Time Buyers

If you're looking to get a foot on the property ladder, talk to UrbanSpencer. We'll help you every step of the way.

Remortgaging

When was the last time you reviewed your mortgage? Do you know your current rate of interest? Let us see if we can save you some money.

Moving Home

Buying and selling a home at the same time can be stressful. Whatever your reason for moving let us help you through the process.

Buy To Let

Owning an investment property is becoming an increasingly popular method of supplementing one's income and we can help.

Other Mortgage and Lending Services.

From unsecured personal loans through to more specialised mortgage and lending solutions, we can help.

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Personal Loans

Check eligibility with multiple lenders in minutes - without affecting your credit score.

Loans from £1,000 to £50,000

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Equity Release

If you're over 55 and your home is worth £100k or more, you may be able to release some equity from your home for any number of reasons

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Self Employed

Being self-employed can make it a little more challenging when trying to secure the finance you need - leave it to us, we'll work for you.

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Adverse Credit

From minor problems through to bankruptcy, it can be difficult to obtain lending but some lenders can help - we'll do our best to support. 

Explore more.

As in life, finances aren't always straightforward, take a look at the range of options available to support.

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Secured Loan

A secured loan can be used for virtually any reason, borrowing against the equity in your home could be the right solution for you.

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Debt Consolidation

Debts can creep up on all of us, a credit card balance here or personal loan there. Consolidating could greatly reduce your outgoings.

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Bridging Loan

As the name suggests, a bridging loan 'bridges' the gap between applying for finance and acquiring finance, this can be invaluable.

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Commercial Loan

Lending designed for commercial enterprises with access to all UK lenders and a quick decision and turn-around.

UrbanSpencer offer expert guidance and help to take the stress out of finding the right mortgage for you. Not only will we help you decide on the right type, we'll also help you find a suitable deal. We have access to a range of mortgages from across the market, so you can be confident the mortgage we recommend is suitable for you.

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Request your free mortgage quote

Contact us today to receive our expert guidance and mortgage advice. We are on hand to make finding the right mortgage for you efficient, quick, and stress-free.

Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt or loan secured on it.

All loans are subject to a credit search, valuation, and in some cases, status enquiries by lenders.

The Financial Conduct Authority does not regulate Bridging and Commercial loans or certain types of Buy To Let mortgages

Want to share £100?

Refer a friend to UrbanSpencer for a mortgage and you'll both receive £50 worth of Amazon vouchers when their mortgage completes.

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