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Happy couple completing purchase of home using a residential mortgage.

Residential Services

Whether you’re a first-time buyer or looking to move house, a residential mortgage is the type of mortgage you will need. A residential mortgage is a mortgage for a property that you live in. It is a long term loan which helps to fund the purchase of a property. The mortgage is to be paid back to the lender over an agreed term based on your budget and preferences.

With this type of mortgage, you must be living in the home yourself. You cannot rent the house out to tenants or use the property for any commercial purpose.

Residential mortgages typically require a minimum deposit of 5% of the total property value. This will be subject to you meeting the lenders criteria.

Here at Norcutt Mortgages we offer a host of residential mortgage options.

First Time Buyers

Buying your first home is a major step and it is vital you can consult with professionals you can trust. Trying to do it by yourself could cost you a lot of time and money.

Home Mover

Moving home can be a scary time. Often you’re expected to know the process because you’ve purchased a house before. However, this might have been 7 years ago and you may have never actually sold a house before. 

Capital Raising

A capital raising mortgage can help you secure funds for anything from renovations and improvements to investing in another property or paying off existing debts.


When discussing a remortgage with clients it’s easy to assume you’ll know what you want but, if this is your first remortgage chances are you’ll need just as much help as you did when you first purchased your home.

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