Independent mortgage advice in Windsor since 1998
Your mortgage, simplified from start to finish.
Personal advice from Nicholas Carr, with access to most UK lenders and deals you cannot get direct.
Where are you right now?
First home, first mortgage
Securing a mortgage is getting harder, and first-time buyers have more to prove to lenders. Time spent preparing now pays dividends later.
- Credit report checked and cleaned up
- What lenders look for in bank statements
- ID, payslips and proof of address ready
- Schemes and deposit options explained
Do not drift onto the SVR
If you have not reviewed your mortgage for a few years, you could be paying much more than you need to.
- Lower rate, smaller monthly payments
- Release equity for home improvements
- Pay your mortgage off faster
- Fix to protect against rate rises
Moving up, planned properly
Advice covering the full range of products across most UK banks, planned around the next 25 to 30 years, not just today.
- Port your current deal or switch
- Agreement in principle before you offer
- Support from application to completion
- Regular reviews after you move
Buy to let, from first let to portfolio
Whether you are building a property empire or buying your first buy to let, the right mortgage makes a big difference.
- Rental cover and stress tests explained
- Exclusive broker-only rates
- Limited company and portfolio lending
- Growth or income, planned for
Unlock the value in your home
Lifetime mortgages help homeowners aged 55 and over access some of the money tied up in their home.
- Take a lump sum or drawdown
- No affordability checks on lifetime mortgages
- Qualified specialist adviser, by referral
- Compared honestly with downsizing
Cover for the people who matter
People insure cars, phones and pets, yet some do not insure themselves. We explain what is available and what suits you.
- Life insurance, level or decreasing
- Income protection
- Family income benefit
- Whole of life, written in trust
Specialist finance through trusted partners
Commercial mortgages, short-term bridging and development finance, sourced from specialist lenders that are not on the high street.
- Commercial funding from £100,000
- Bridging arranged in as little as 24 hours
- New builds, conversions and refurbishments
- Offered by referral to a third party
One adviser, from first call to completion.
Since 1998 the mortgage market has only grown more crowded. We take the whole process off your plate and explain every step as it happens.
- A wide range of products from high street lenders, plus specialist products not available direct.
- Support from application to completion, with every part of the process fully explained.
- Regular updates, and contact before your product period ends, for the entire term of the loan.
Review your circumstances
We talk through your income, plans and the next 25 to 30 years, not just today’s rate.
Two quick answers.
For illustration only. This is not a mortgage offer or a personal recommendation. The figures exclude fees, stamp duty and insurance, and assume the rate stays the same for the full term. Your property may be repossessed if you do not keep up repayments on your mortgage.
When does your current deal end?
Many lenders let you secure a new rate up to six months before your deal ends. Miss that window and you roll onto the lender’s Standard Variable Rate.
Trust. Respect. Partnership.
Helping clients all over the UK since 1998
The market has many products from a multitude of banks. Our job is to find the most appropriate one for you, so you can make the right decision at the right time.
We intend to be your partner for the whole journey, there to make sure your mortgage adapts to all the changes life brings.Nicholas Carr
Illingworth Mortgages
Rooted in Windsor
Based on the Vansittart Estate. Meeting clients locally, advising across the UK.
Trust
Clear advice across most UK lenders, with every step explained in plain English.
Respect
Your circumstances, budget and existing policies shape the recommendation. Never the other way round.
Partnership
Regular financial updates and a call before your deal ends, for the life of the loan.
When the high street says no.
We connect you with specialist lenders who can secure finance where others cannot.
Commercial mortgages
Funding for business premises and investment property, generally up to 75% loan to value, structured in your own name, a company, LLP or trust.
Find out more
Bridging finance
Short-term finance that can be arranged within a day. Ideal for auctions, chain breaks and refurbishments, often with no early repayment charges.
Find out moreDevelopment funding
Funding for new builds, conversions and refurbishments with planning permission, typically up to around 75% of total build cost.
Find out moreEquity release
Lifetime mortgages let you release money tied up in your home as a lump sum or in smaller drawdowns, with no affordability checks.
Find out moreThese services are offered by referral to a third party. The Financial Conduct Authority does not regulate commercial lending, and does not regulate some forms of bridging and development finance.
Straight answers, written for UK buyers.
68 guides on deposits, remortgaging, buy to let, credit and more.
Let’s talk it through.
Pick a day and a time that suits you. Nicholas will call you back, no forms to chase and no call centre.
Booked. Nicholas will call you.
Expect a call at the time you chose. If it is urgent, ring 01344 550455.