1st Call 4 Mortgages (UK) Ltd
Portsmouth
Mortgage advice covering self-employed, commercial, help to buy and 3 more. 1st Call 4 Mortgages (UK) Ltd charges a broker fee.
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About 1st Call 4 Mortgages (UK) Ltd
1st Call 4 Mortgages (UK) Ltd is a UK mortgage broker based in Portsmouth. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
1st Call 4 Mortgages (UK) Ltd records 6 areas of advice from its base in Portsmouth: self-employed, commercial, help to buy, buy-to-let, first-time buyers and residential.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
Self-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Help to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Paired with self-employed lending, it should cover employed and variable-income applicants equally.
Read the residential guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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Questions to ask 1st Call 4 Mortgages (UK) Ltd
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 4What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 5What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 6How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 7Do you see clients at your Portsmouth office, or is this handled by phone and video?
Getting in touch with 1st Call 4 Mortgages (UK) Ltd
1st Call 4 Mortgages (UK) Ltd lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
Does 1st Call 4 Mortgages (UK) Ltd charge a fee for mortgage advice?
Yes. 1st Call 4 Mortgages (UK) Ltd is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does 1st Call 4 Mortgages (UK) Ltd handle?
1st Call 4 Mortgages (UK) Ltd records self-employed, commercial, help to buy, buy-to-let, first-time buyers and residential, working from Portsmouth. Ask anyway if your case sits outside that list.
Does 1st Call 4 Mortgages (UK) Ltd work with self-employed borrowers?
Yes — self-employed lending is one of the areas 1st Call 4 Mortgages (UK) Ltd lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does 1st Call 4 Mortgages (UK) Ltd only cover Portsmouth?
1st Call 4 Mortgages (UK) Ltd is listed in Portsmouth, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Portsmouth on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.