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.

Get Your Mortgage Quote

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

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Our Process

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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

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Book an appointment
with us

Discuss your mortgage requirement in detail with our expert advisors

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Complete your mortgage successfully

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

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

Real feedback, Real results.

Don't just take our word for it. Here's what our clients have to say about their experience with WIS Mortgages.

★★★★★

We had a wonderful experience with Anoj and Shanuka at WIS Mortgages! As first-time buyers, we were unsure about how to navigate mortgages, but they walked us through every step with patience and professionalism. They answered all our questions promptly, provided expert guidance, and ensured we felt confident about our choices. Their friendly approach and attention to detail made the process simple and stress-free. We highly recommend WIS Mortgages to anyone looking for knowledgeable and supportive mortgage advisers.

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Salitha Fernando
★★★★★

From the very first conversation, WIS made the entire mortgage process feel smooth, transparent, and stress-free. Their team is incredibly knowledgeable and took the time to understand my financial situation and long-term goals. They explained every step clearly, offered tailored advice, and found me a fantastic deal that I wouldn't have discovered on my own. What really stood out was their responsiveness and professionalism; emails and calls were answered promptly, and no question was too small. I felt genuinely supported throughout, and their attention to detail gave me complete confidence in the decisions I was making. If you're looking for a mortgage adviser who combines expertise with a personal touch, WIS is the firm to trust. I can't recommend them highly enough!

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Ellie Wepener
★★★★★

Excellent service and absolutely brilliant staff. Shamraan helped us through our mortgage application process and it was a smooth one. WIS was available at anytime to answer the questions we had and didn't hesitate to go out of their way to provide us with a suitable options/advice for our mortgage. Thank you WIS for your service. Highly recommend this company for anyone seeking for mortgage advisory services.

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Zainab Ismail
★★★★★

I had an excellent experience working with Shayni from WIS Mortgage. She was extremely professional, responsive, and proactive throughout the entire process. Every time I requested adjustments to suit my specific mortgage needs, she handled them promptly and without hesitation. Shayni consistently monitored market rates and kept me updated, ensuring I always had access to the best possible offers. Her commitment, attention to detail, and optimistic approach made the entire process smooth and stress-free.

M
Mohamed Husni Mohamed Alavi
★★★★★

I'm truly grateful for the outstanding service provided by the mortgage advisers. From the very beginning, they offered continuous support and guidance, making what could have been a stressful process feel smooth and manageable. As a first-time house buyer, I am 100% satisfied with my decision to choose WIS as my mortgage advisers. Their constant reassurance and clear explanations gave me full confidence at every stage of the process.

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Sashini Perera
★★★★★

This is the third time I've used the services of WIS Mortgages and Insurance Services for my remortgage, and once again, the experience has been excellent. Each time, the service has not only been consistent but has also improved noticeably. A big thank you to the fantastic team at WIS Mortgages — they were professional, responsive, and incredibly helpful throughout. I highly recommend them to anyone seeking a straightforward and stress-free mortgage or remortgage experience.

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Anuranga Gunathilake

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 Blogs

General

Is Buy-to-Let Still Profitable in 2026?

For many people in the UK, housing is not a simple choice between owning and renting. With property prices remaining high, especially across London and the South East, renting continues to be the only realistic option for a large proportion…
Read Blog >
How WIS Mortgages Removes the Hidden Costs General

How WIS Mortgages Removes the Hidden Costs

WIS Mortgages was built specifically to remove these silent profit leaks.
Read Blog >
Skilled Worker Mortgage 2026 General

Skilled Worker Mortgage 2026: Has It Got Easier to Get a Mortgage in the UK?

For many Skilled Workers living in the UK, buying a home has always felt like an uphill battle. Saving a deposit while paying high rent,…
Read Blog >
Do You Need Experience to Become a Mortgage Broker In the uk Brand New RI

Do You Need Experience to Become a Mortgage Broker? What You Can Do Today

A common question for newly qualified advisers — and those thinking about switching careers — is: Do I need experience to become a mortgage broker?”…
Read Blog >

Want to talk it through?

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

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    £100 Amazon Gift Voucher
    Limited Time Offer

    Get £100 Amazon Voucher When You Complete Your Mortgage

    Amazon voucher for new applications over £250,000

    Valid for applications submitted: Jan 2nd - Jan 31st

    Voucher sent after successful completion

    We have started giving vouchers for clients who submit applications with us and successfully complete the mortgage.