Residential Mortgages

Secure the right mortgage with The Golden Oak Tree, offering access to over 90 lenders for tailored solutions.

Buying a home is one of the biggest financial decisions you’ll make, and securing the right mortgage is crucial. At The GOT, we work with over 90 lenders, including private banks and specialist building societies, to find the most competitive mortgage deals tailored to your needs. Whether you’re purchasing, refinancing, or looking to reduce monthly payments, our expert guidance ensures a smooth and stress-free experience.

Tailored Mortgage Solutions for Every Buyer

At The GOT, we recognize that the property market moves quickly, and securing the right mortgage requires expertise and efficiency. Our team is dedicated to acting fast, ensuring a smooth process from application to approval.

Why Choose The Golden Oak Tree?

●●● WHOLE-OF-MARKET ACCESS

We connect you with over 90 lenders, including specialist building societies and private banks, to secure the best possible mortgage deals.

●●● FAST & EFFICIENT SERVICE

Our mortgage specialists understand that timing is crucial. We proactively work with lenders who can process applications swiftly to prevent delays.

●●● EXPERT NEGOTIATION

We liaise with estate agents and vendors to strengthen your buying position, ensuring you get the most competitive price for your new home.

Seamless Home Buying Process

Every property purchase comes with its own set of challenges, and we are here to guide you through them with confidence.

STEP ONE : UNDERSTANDING YOUR NEEDS

Our initial consultation helps us identify the best mortgage products tailored to your financial situation.

STEP TWO : STRENGTHENING YOUR OFFER

We assist in structuring your mortgage approval to reassure sellers that you are a serious buyer, giving you a competitive edge.

STEP THREE : END-TO-END SUPPORT

From application submission to property valuation and final approval, we handle every step to make your journey stress-free.

At The GOT, we’re more than mortgage brokers—we’re your trusted partners in securing the best financial future. Get in touch today to explore your options and take the next step toward homeownership or refinancing.

Frequently Asked Qestions

What is a residential mortgage?

A residential mortgage is a loan that helps you buy a home to live in. You borrow money from a lender and repay it in monthly instalments over time.
We’re here to make that journey simple and stress-free — whether you’re buying your first home or moving up the ladder.

How much can I borrow?

Most lenders offer around 4 to 4.5 times your income, but it depends on your finances, deposit, and credit history.
We’ll help you get a tailored estimate and show you how to maximise your borrowing power without overstretching.

What types of mortgages are available?

There are options like fixed-rate (stable payments), variable-rate (linked to interest changes), tracker, and offset mortgages.
Don’t worry if that sounds confusing — we’ll break it down and match you with the right fit.

What costs should I expect upfront?

You might come across valuation fees, arrangement fees, solicitor fees, and possibly broker fees.
We’ll outline all the costs clearly upfront — no surprises, no jargon.

How do I get started?

Just get in touch with us! We’ll assess your situation, explain your options, and support you from the first enquiry to moving day.

Deepak Jose CeMAP CertPro

Mortgage & Protection Adviser

Trust and credibility are at the heart of what we do in Bexley, London. We ensure that every solution we offer is in your best financial interest.

Consultation

Get a Free Mortgage Quote

Fill out the form below to receive a free, no-obligation mortgage quote tailored to your needs. Once you submit your details, our mortgage experts will review your information and call you back within 24 hours or the next business day to discuss your options.

Still have questions?

Every financial situation is different — and that’s why we take time to listen. Reach out today for a friendly, no-pressure chat with one of our advisors.

Thank you for taking the time to share these details! We truly appreciate your trust in us and look forward to connecting with you.