Question 1

How Can Equinox Help?

Accepted Answer

At Equinox Mortgages, we know that navigating the mortgage process can feel overwhelming but that’s exactly why we’re here. As a whole-of-market mortgage broker, we take the stress out of finding the right mortgage for you.

We have access to all intermediary lenders across the UK, helping you secure the best rates, explore cashback offers, and even take advantage of green mortgage deals. But it’s not just about the lowest rate, it’s about finding a mortgage that truly suits your needs.

Whether you’re just starting your research, ready to get an Mortgage in Principle, or need expert guidance to remortgage, we’ll be with you every step of the way.

Our service doesn’t stop once your mortgage is in place. We’ll review your mortgage at key stages to ensure you’re always on the most competitive deal, so you never pay more than you need to.
And it’s not just mortgages. We also provide expert advice on life cover, home insurance, conveyancing, and more, making sure every part of your home-buying journey is covered.

At Equinox, we believe in straightforward advice and real support from a team that truly cares. Get in touch todaywe’d love to help!

Question 2

What is a Mortgage Broker?

Accepted Answer

A mortgage broker is a professional who helps you secure a mortgage by matching you with the right lender.
 
Instead of applying to banks individually, a broker does the hard work for you, comparing options across multiple lenders to find the most suitable deal.

At Equinox Mortgages, we have access to all intermediary lenders, giving you a wider choice than going direct to a single bank. This means we can compare rates, terms, and mortgage types from across the market, ensuring you get the best fit for your needs.

As a FCA-regulated broker, we are authorised and overseen by the Financial Conduct Authority (FCA) which means we must follow strict rules designed to protect you. Our duty is to act in your best interests, provide fair and transparent advice, and ensure you get a mortgage that is right for your circumstances.

We don’t just arrange your mortgage; we aim to be your trusted mortgage partner, supporting you at every stage from your first purchase to future remortgages. Whenever you need advice, we’re here to help. Contact us today to learn more.

Question 3

How Much Can I Borrow?

Accepted Answer

When lenders assess a mortgage application, they focus on three key factors:

1. Your Income

Lenders typically allow borrowing up to 4.5 times your annual income, though this varies based on individual circumstances. Your allowable income includes your basic salary, bonuses, commissions, and other proven earnings.
Some lenders may offer exceptions to standard income multiples, but these are granted on a case-by-case basis. At Equinox Mortgages, we have full access to lender criteria and can advise exactly how much each lender is willing to offer you.

2. Loan-to-Value (LTV)

Your deposit size plays a key role in how much you can borrow. Most lenders require at least a 5-10% deposit, though some specialist options may be available with lower deposits.
The more you put down upfront, the wider your choice of lenders and mortgage rates. We’ll help you explore all available options to make sure you get the most competitive deal.

3. Affordability & Repayment Capacity

Lenders want to ensure you can afford your mortgage both now and in the future. They will:
✔ Assess your income and outgoings to check affordability
✔ Apply a stress test, assessing repayments at a higher interest rate to allow for future increases
✔ Look for clear evidence of repayment capacity, such as rent payments, savings habits, or loans that are due to end

At Equinox Mortgages, we’ll guide you through each step of the process, making sure your application is presented in the best possible way to maximise your borrowing potential.

Want to find out exactly how much you could borrow? Get in touch today!

Question 4

Who Offers the Best Mortgage?

Accepted Answer

If there were one ‘best’ mortgage lender, our job would be easy! But the reality is, the best mortgage depends on you—your circumstances, priorities, and future plans.

At Equinox Mortgages, we have access to all intermediary lenders in the UK, meaning we can compare a wide range of mortgage deals to find the most suitable option for you. When selecting a mortgage, we consider:

✔ How much you need to borrow
✔ Fixed vs. variable rates and how long to fix for
✔ Mortgage term & flexibility, including overpayment options
✔ Cashback offers & incentives that may be available

Your circumstances may change over time—and so can mortgage rates. That’s why we review your mortgage at key points, ensuring you stay on the best deal and switch if needed.

Want to find the best mortgage for you? Get in touch today!

Question 5

What Is a Mortgage?

Accepted Answer

A mortgage is a loan taken out to buy a property, secured against the property itself. This means the lender has a legal right to the property until the loan is repaid.

Your mortgage repayments are made monthly and depend on:
 ✔ The loan amount (how much you borrow) 
✔ The interest rate (fixed or variable) 
✔ The mortgage term (how long you take to repay)

At Equinox Mortgages, we help you find the right mortgage - the one that fits your budget and future plans. Whether you're a first-time buyer, home mover, or remortgaging, we’re here to guide you every step of the way.

Contact us today to get started.

Are you buying your..

Click below to get tailored guidance on next steps

All lenders, one place

We compare the whole market to find the best mortgage for you.

Helping you borrow smart, buy confidently, and secure the right deal - it's what we do.

So sit back, relax and let us do the work for you.

Home
buyer FAQs

Hassle free,
from start to finish

Big decisions need expert guidance. Whether you’re buying, switching, or refinancing, our tailored, whole-of-market approach ensures you get the right mortgage, hassle-free

Bristol
32 Cottrell Avenue
BS15 1LR

Winchester
8 Old Kennels Lane
SO22 4JP

Phone
01174864641
Mobile
07498774647

Instagram
@ josh_equinox_mortgages
Facebook
@ josh.normington

Mortgages

First Time Buyers

Home Movers

Remortgages

Equinox

About Us

Contact Us

Terms

Mortgage FAQs

Are you buying your..

Click below to get tailored guidance on next steps

All lenders, one place

We compare the whole market to find the best mortgage for you. Helping you borrow smart, buy confidently, and secure the right deal - it's what we do. So sit back, relax and let us do the work for you.

Home buyer FAQs

Hassle free, from start to finish