Mortage advice you can
actually trust.
Independent. Whole-of-market. FCA regulated. Whether you’re buying, moving, remortgaging or building a portfolio, we search the entire market, every lender, every product, to find the right deal for your circumstances.
Why 'Whole of Market' Matters
When you go directly to your bank, you’re seeing one lender’s products. A tied or panel-based broker might show you a selection. At Michaels Financial, our advisers search every available lender and product on your behalf, assessed against your specific circumstances, then present a clear, jargon-free recommendation that explains exactly why it’s the right choice for you.
Your Bank
One Lender
Sees only their own products and rates.
Tied or Panel Broker
A Limited Panel
Sees a pre-selected shortlist of lenders.
Michaels Financial
The Whole Market
Every lender. Every product. Assessed against your circumstances.
First-Time Buyers
Your journey starts here.
Buying your first home is one of the most significant moments of your life, and for most people, the most complex financial transaction they’ve ever navigated. Our advisers take the time to understand your income, outgoings, savings and plans, then give you a clear, honest picture of what you can borrow, what it will cost and what steps to take next. No jargon. No assumptions. No pressure.
- Understanding how much you can borrow and what your monthly payments would look like
- Identifying the most suitable mortgage product for your deposit size and circumstances
- Navigating first-time buyer schemes including Shared Ownership and deposit-boosting options
- Understanding the full cost of buying — SDLT, legal fees, surveys and beyo
- Moving quickly when you find the right property — a Decision in Principle from us carries weight with sellers
- Protection advice — making sure you and your home are covered from day one
Getting your first mortgage can feel overwhelming. Our job is to make it feel manageable, to explain everything clearly, find you the right deal and be with you every step of the way until you have those keys in your hand.
The Right Mortgage
For your next chapter.
- Understanding how much you can borrow and your monthly payments
- The most suitable mortgage product for your deposit and circumstances
- Navigating schemes including Shared Ownership and deposit-boosting options
- Understanding the full cost of buying: SDLT, legal fees, surveys and beyond
- Moving quickly with a Decision in Principle that carries weight with sellers
- Protection advice, so you and your home are covered from day one
If you’re also selling through a Michaels branch, your sales team and mortgage advise work in step, keeping your move on track from the moment you instruct us.
Don't let your lender
decide for you.
When your fixed rate ends and you roll onto your lender’s Standard Variable Rate, your payments can increase significantly, sometimes by hundreds of pounds. It doesn’t have to be complicated. A conversation with a Michaels Financial adviser takes the guesswork out of it entirely.
- Lock in a new rate up to six months before your current deal ends
- If rates fall after locking in, we can often switch you before completion
- Release equity for home improvements, debt consolidation or major life events
- Changed circumstances can unlock better rates than before
- Lenders compete hard for remortgage business, the market rewards those who look
UK Finance estimates approximately 1.8 million fixed-rate mortgages come to an end in 2026. If yours is one of them, particularly a pre-2023 deal, acting now gives you the best chance of a competitive rate.
Mortgage Advice
built around your investment.
Buy-to-let criteria are more complex than residential products, and navigating them without specialist advice can mean paying more than you need to. Michaels Financial advises landlords at every stage, from a first rental property to a multi-property portfolio, across single lets, HMOs, limited company structures and holiday lets.
We also handle portfolio landlord applications, let-to-buy, remortgaging existing buy-to-lets to release equity, and full stress testing and rental yield analysis. For landlords using a Michaels branch to manage their properties, our lettings and financial teams work together, giving you rental income, management costs and financing costs in one place.
Specialist Lending, covered.
Beyond the core services above, Michaels Financial advises on a range of specialist mortgage requirements
New Built Mortgages
Shorter offer validity periods, builder incentives and different deposit requirements. We navigate new build applications efficiently.
Self-Build & Custom Build
Specialist products that release funds in stages as construction progresses, from planning through to final completion.
Shared Ownership
Buy a share of a property and pay rent on the rest. We guide eligible buyers through the specialist products involved.
Later Life Lending
Retirement interest-only mortgages and other solutions that let older borrowers access equity or maintain their mortgage.
Green Mortgages
Preferential rates for energy-efficient homes rated A or B. We identify the most competitive green products for you.
Bridging Finance
Short-term lending when speed matters: buying before a sale completes, auction purchases or development projects.