Mortgage Broker in Berkshire

Expert mortgage advice across Berkshire. From high value properties in Windsor and Ascot to first-time buyers in Maidenhead — WIS Mortgages handles the full range of mortgage types with whole of market access and specialist lender knowledge.

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FCA
Authorised Broker · Reg 824411
90+
Lenders · Whole of Market
5.0★
Google Rated · 400+ reviews
Daily
Complex Cases · Approved

Local insight

Mortgages in Berkshire

Berkshire combines high property values with strong commuter demand and a large concentration of technology, defence and professional services employers. Windsor, Ascot and Sunningdale attract premium buyers including high net worth individuals, senior executives and overseas investors. Maidenhead and Reading serve a large contractor and self-employed workforce. WIS Mortgages handles the full range of Berkshire mortgage types including Contractor Mortgages using day rate affordability, Foreign National Mortgages for the large overseas professional community and High Net Worth Mortgages for premium Berkshire properties.

Mortgage Services in Berkshire

Whether you are buying, remortgaging or investing, we handle the complex cases others decline.

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First-Time Buyer Mortgages

Buying your first home with as little as 5% deposit.

Learn more Contractor Mortgages

Day rate used for affordability. IR35 and umbrella accepted.

Learn more Foreign National & Visa Mortgages

Skilled Worker, Spouse and Tier 2 visa holders accepted.

Learn more Self-Employed Mortgages

One year accounts considered. Directors and sole traders welcome.

Learn more NHS & Key Worker Mortgages

Borrow up to 5.5× income. Overtime and shift pay included.

Learn more Buy-to-Let Mortgages

Standard BTL, HMO, SPV and holiday let mortgages.

Learn more Remortgage

Fixed rate ending? Compare 90+ lenders. Lock and switch.

Learn more Bridging Loans

Auction purchases, renovations and chain breaks.

Learn more

Areas We Cover in Berkshire

We support clients across the whole of Berkshire and the surrounding area - from city-centre flats to suburban family homes.

01
Windsor
Historic royal town, high value residential and overseas buyer mortgages
02
Ascot
Premium village, high net worth and director mortgage cases
03
Maidenhead
Elizabeth line commuter town, first-time buyer and contractor mortgages
04
Sunningdale
Exclusive village, complex income and high value mortgage cases
Active coverage
Coverage zone · Berkshire
4 areas · Multiple postcodes
Nationwide adviser network

Why Berkshire Clients Choose WIS Mortgages

Specialist whole-of-market expertise, an FCA-regulated team, and a track record of saying yes to the cases that get declined elsewhere.

Complex Cases Welcome

Foreign nationals, contractors, self-employed and NHS workers - we handle the cases others decline.

01 - Approval First

Whole of Market Access

We compare 90+ lenders including specialist lenders not available on the high street.

02 - Lender Network

FCA Regulated

Authorised and regulated by the Financial Conduct Authority. Register number 824411.

03 - Regulatory

Ask how MortgagX works with advice from our team.

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“Three lenders said no because of my contractor day rate. WIS got us approved in nine days on a property we'd already lost twice.”

Priya R.
IT Contractor
9 days
Offer to Exchange
£485k
Loan Amount
5.5×
Income Multiple
Case file
Property typeFlat (period conv.)
Income basisDay rate × 5
Deposit15%
LenderSpecialist · Top-5
Initial rate4.89% / 5y fix
Q.01
Can I get a high value mortgage in Berkshire?
Yes. Berkshire has some of the highest property values outside London particularly in Windsor, Ascot and Sunningdale. WIS Mortgages handles High Net Worth Mortgages, Large Mortgages above £1 million and complex income cases including Limited Company Directors and professionals with multiple income streams.
Yes. Our Contractor Mortgages use your day rate to calculate affordability. Berkshire has a large contractor population particularly in technology, defence and professional services. IR35, umbrella and limited company contractors are all accepted and can often borrow significantly more using the day rate method.
Yes. WIS Mortgages specialises in Foreign National and Visa Holder Mortgages across Berkshire. We work with lenders who accept Skilled Worker, Spouse and Tier 2 visa holders. Berkshire is popular with overseas professionals working in London and the Thames Valley technology corridor.
Average house prices in Berkshire range from around £350,000 in parts of Maidenhead to over £1 million in Sunningdale and Ascot. Most lenders offer 4 to 4.5 times your annual income. Specialist lenders may offer up to 5.5 times for certain professions and income types.
Yes. Berkshire offers strong rental yields particularly in Maidenhead which benefits from Elizabeth line connections to central London. We offer Standard Buy-to-Let Mortgages, HMO Mortgages and SPV Mortgages through a limited company for Berkshire landlords.
From application to mortgage offer typically takes 2 to 4 weeks. Completion takes a further 4 to 8 weeks depending on the property chain. Complex cases including contractor, foreign national and high value mortgages may take slightly longer due to specialist lender requirements.

Find Out How Much You Can Borrow in Berkshire

Use our free mortgage affordability calculator. No credit check, no contact details required - just an honest indication of what 90+ lenders could offer you today.

Try the Calculator
AffordabilityLive preview
Annual income£72,000
Deposit£48,500
Term30 years
Income basisContractor
Max borrowing
£396,000

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