Simplifying your mortgage journey...

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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.

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Instant Mortgage Quoting

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

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 signup 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

Affordability Calculator

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

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Real feedback, Real results.

★★★★★

WIS Mortgages team helped me with securing mortgage deals for my recent move. They are professional and very approachable. Provided advice throughout the process. Excellent follow up. I'm happy to recommend WIS. Thank you WIS Team

C
chamila ratnayake
★★★★★

I have been a customer with WIS for over 10 years, the service provided across Mortgages, Accounting is top class. Always quick to respond, ensures the questions & concerns are thoroughly addressed. Particularly on the Mortgages, my recent experience is excellent from providing the quotes in the tricky Mortgage market and keeping me up to date with changing rates, best available deals. Many Thanks to Shameer for the personal attention and quick responses.

V
Vamsi Nalam
★★★★★

WIS Mortgages & Insurance Services , I feel is a brilliant company with a beautiful set of people providing an excellent and a professional service to their customers. I was fortunate enough to get my first time experience of buying a house with them and within this little period of time I realized how friendly , patient and understanding the staff are ! A very special thanks to Anoj and Shamran for their continuous support to achieve our dream come true ! Wishing WIS all success on earth in all their future endeavors always !

U
Umesha Suraweera
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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

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Our Latest Blogs

General

How to Remortgage Early Without Penalties

Many UK homeowners consider remortgaging before their current deal ends to take advantage of better interest rates or change financial circumstances. However, early remortgaging can come with financial penalties—most commonly early repayment charges (ERCs).
Read Blog >
How to Remortgage Early Without Penalties
When Is the Best Time to Remortgage Your Home General

When Is the Best Time to Remortgage Your Home?

When Should You Consider Remortgaging? Introduction Remortgaging your home can be one of the most effective financial moves you make—whether to secure a lower interest…
Read Blog >
Buy to Let in a High Interest Climate Is It Still Worth It General

Buy-to-Let in a High-Interest Climate: Is It Still Worth It? | WIS Mortgages

For many aspiring property investors, a buy-to-let (BTL) mortgage is the first step toward building a portfolio and generating rental income. But with interest rates…
Read Blog >
Islamic vs Conventional Mortgages Key Differences 2025 General

Islamic vs Conventional Mortgages: Key Differences 2025

With the growing demand for ethical and faith-based financial solutions, many homebuyers in the UK are exploring the differences between Islamic and conventional mortgages. For…
Read Blog >
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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

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