WIS Mortgages Logo

AI Powered Mortgage, On the GO!

At WIS, we believe in doing things differently. We know that applying for a mortgage can be stressful. That's why we've combined expert advice with the power of AI to make the process simple, smart, and stress-free. And the best part? We don't charge you a penny.

WIS AI-powered mortgage hero illustration Play video

Get Your Mortgage Quote

Use the quick and simple quotation system to get a mortgage quote in seconds.

Loading mortgage calculator...

Our Process

01
0%

Download the MortgagX app by clicking here and sign up!

Experience the benefits of our partnership with MortgagX, an A.I powered mortgage system. Rest assured our experts do their best

02
0%

Book an appointment
with us

Discuss your mortgage requirement in detail with our expert advisors

03
0%

Complete your mortgage successfully

Your application can be completed online with no paperwork, when you sign up to Open Banking and Digital ID verification

Download on App Store Get it on Google Play

Why WIS ?

Fully Qualified Brokers Fully Qualified Brokers
Fully Digital Solution Fully Digital Solution
Hassle Free Hassle Free
Ai Powered Mortgage AI Powered Mortgage
Life Time Tracking Life Time Tracking
Mortgage Calculator Mortgage Calculator
The Most Suitable Deal The Most Suitable Deal
Zero Fee Mortgage Advice Zero Fee Mortgage Advice

Affordability Calculator

Its simple, quick and instant! Give our affordability calculator a go

Want to know more?

Here are some of the common questions we receive. If you can't find the answer to your question here, please see our FAQ page or contact us on the phone or chat - we will be delighted to help!

 It’s best to start reviewing your options around 3 to 6 months before your current deal ends to avoid moving onto a higher standard variable rate.
Yes, but you might face early repayment charges. We’ll help you assess if switching early still saves you money overall.
In most cases, yes. Many lenders offer free valuations as part of their remortgage package.
Yes. You can raise capital from your property’s equity for purposes like home improvements, debt consolidation, or buying another property.
Some remortgages come with no fees, while others may include arrangement, legal, or valuation fees. We help you find the most cost-effective options.
Yes. Lenders typically request proof of income, bank statements, and ID, even if you’re just switching deals.
Yes. Many lenders offer BTL mortgages for first-time landlords, though you may need a larger deposit and meet stricter criteria.
Typically, you’ll need a 25% deposit, though some lenders may accept as low as 20%, depending on the property and your financial profile.
Yes. Most lenders assess your application based on projected rental income, not just personal earnings.
No. BTL mortgages are for investment purposes only. Living in the property would breach the terms of your mortgage.
Yes. Interest-only is a common structure for BTL, as it helps maximise monthly cash flow.
Not necessarily. You can apply in your personal name or through a limited company (SPV), depending on your tax and investment strategy.
Most lenders require at least a 5% deposit, though putting down more can improve your chances of securing a better rate.
Yes. Some lenders offer first-time buyer mortgages for applicants with less-than-perfect credit, though terms may vary.
Yes. You may be eligible for schemes like First Homes, Shared Ownership, or the Mortgage Guarantee Scheme with a 5% deposit.
 Additional costs may include valuation fees, legal fees, stamp duty (if applicable), and moving expenses. Some lenders offer cashback or fee-free deals.
This depends on your income, outgoings, and credit profile. Most lenders offer 4 to 4.5× your annual income, though some may stretch further.
While not required, a broker like us can help you find the most suitable deal, handle the paperwork, and improve your chances of approval—all fee-free.
A residential mortgage is a loan used to buy or remortgage a property you intend to live in, as opposed to renting out.
Most lenders offer between 4 to 4.5× your annual income, depending on your credit score, expenses, and employment status.
You typically need a minimum of 5–10% of the property's value, though a larger deposit can secure better rates.
Yes. You’ll need to provide 2–3 years of accounts or SA302s. Some lenders may accept just one year with strong financials.
From application to offer, it typically takes 2–4 weeks, followed by 4–8 weeks to completion, depending on circumstances.
Yes, but you’ll need to meet residential lending criteria and inform your lender of the change in property use.

Our Latest Vlogs

View All Vlogs

Our Latest Blogs

General

Is There a Minimum UK Stay Required to Get a Mortgage on a Visa?

For many visa holders in the UK, one of the first questions when considering home ownership is simple but important: Do I need to live in the UK for a minimum period before I can get a mortgage? Traditionally, the…
Read Blog >
Is There a Minimum UK Stay Required to Get a Mortgage on a Visa
How New Mortgage Brokers Can Get Leads Without Paying for Them Brand New RI

How New Mortgage Brokers Can Get Leads Without Paying for Them

One of the biggest challenges for newly qualified mortgage brokers is finding clients without spending money on advertising. When you are just starting out, you…
Read Blog >
The Hidden Costs of Some Mortgage Networks and What Brokers Should Watch Out For Existing RI

The Hidden Costs of Some Mortgage Networks and What Brokers Should Watch Out For

Choosing the right mortgage network is one of the most important decisions a broker will ever make. For both newly qualified advisers and experienced brokers,…
Read Blog >
Can You Remortgage If You Have an Existing Loan Remortgages

Can You Remortgage If You Have an Existing Loan?

Remortgaging can be an effective way to reduce monthly payments, access better interest rates, or release equity from your property. However, other loans can sometimes…
Read Blog >
View All Blogs

Want to talk it through?

We will be delighted to speak with you on the phone through our live chat feature now.

020 3011 1986 help@wismortgages.co.uk

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone

Leave your contact and expect a call from us!