Mortgages
Mortgages Made Simple
Expert Support & Personal Service from A & R Protection Specialists
Whether you’re buying your first home, moving house, remortgaging, or investing in property, navigating the mortgage market can feel complex. At A & R Protection Specialists, we make the process straightforward - providing tailored advice, access to a panel of providers which represents the whole of market and support from start to finish.
Why Choose A & R?
Personalised Guidance
We get to know your goals and match you with the right mortgage.
Support at Every Step
From application to completion, we’re right there with you.
Transparent Fees
We charge a clear, fair fee on application, with no hidden surprises.
Who We Help
We work with a wide range of clients across the UK, including:
First-Time Buyers – step-by-step guidance to help you get on the property ladder
Home Movers – expert advice to make your next move stress-free
Remortgages – review your current deal, save money or raise funds
Buy-to-Let Investors – mortgages tailored to landlords and property portfolios
Self-Employed Borrowers – solutions when your income isn’t ‘standard’
Our Mortgage Process
We keep things simple with a clear, personal process designed around your life:
Initial Consultation
We assess your budget, credit and deposit to find out what you can borrow.
Property Search & Offer
Once you find a property, you make an offer to the seller or estate agent.
Valuation & Underwriting
The lender values the property and reviews your documents in detail.
Agreement in Principle (AIP)
A soft credit-checked certificate that shows sellers you're serious and mortgage-ready.
Mortgage Offer Issued
If approved, you receive your formal mortgage offer - usually within 2–4 weeks.
Full Mortgage Application
We complete your application and submit it to the best lender for your situation.
Legal Work & Completion
Your solicitor completes checks, contracts are exchanged and you get your keys!
Download Our Free Mortgage Guide
Our guide is packed with expert tips, what to expect, and how to avoid common pitfalls.
Ready to Get Started?
Speak to one of our friendly advisers today for expert, no-pressure advice that puts your future first.