WeTrust Mortgages
Mortgages, Made Trustworthy
Compare your options and get matched with a whole-of-market mortgage adviser who’s been giving straightforward, jargon-free advice since 1991 — initial advice is always fee free.
Why Compare Mortgage Deals via WeTrust
You Could Save Time
You Could Save Money
We're 100% Unbiased
Safe & Secure to Use
Some of The Providers
Whatever Your Borrowing Story
Not every borrower fits neatly into a mainstream lender’s tick-box criteria — and that’s exactly where Ingard’s advisers specialise. Whether you’re self-employed with income that doesn’t look like a standard payslip, carrying a poor or thin credit history, or juggling a more complex financial picture, Ingard’s advisers are specifically trained in the kind of complex borrowing needs that many mainstream advisers shy away from. That doesn’t mean every application will succeed, or that every borrower gets the same rate — but it does mean you’re less likely to be turned away at the first hurdle simply because your circumstances don’t fit a standard form.
- Self-employed or contractor income
- Credit history issues, including missed payments, defaults or CCJs
- Complex or multiple income sources
- First-time landlords and Limited Company (SPV) applications
- Later-life and non-standard lending needs
Give Trusty the Scent: Pick the Mortgage or Loan You Need Below
First Time Buyer
Remortgage
Buy to Let
Secured Loans
Bridging Loans
Equity Release
Commercial Mortgage
Bad Credit Mortgage
Home Mover Mortgage
Foreign National Mortgage
Limited Company Buy to Let
Self Employed Mortgage
Getting Advice Through WeTrust
No two buyers, homeowners, or landlords are the same, and no mortgage should be treated as one-size-fits-all. Through Ingard Financial’s nationwide network, WeTrust connects you with mortgage advisers who take a genuine whole-of-market approach — looking at every product available, not just a restricted panel — across residential mortgages, remortgages, buy-to-let, and more specialist lending.
Unlock Your First Home: Whole-of-Market Mortgage Advice for First-Time Buyers
Taking your first step onto the property ladder can feel like a maze of deposit requirements, affordability stress tests, and lending criteria that seem to shift every year. WeTrust connects first-time buyers with mortgage advisers at Ingard Financial, whose whole-of-market access covers high-street lenders and specialist first-time buyer schemes alike — including low-deposit mortgages (some lenders offer deals from as little as 5% deposit, subject to eligibility) and Shared Ownership products.
Ingard’s advisers have been doing this since 1991, which means they’ve talked thousands of first-time buyers through the process in plain English, without the jargon. Because they search the whole market rather than a limited panel, they can look widely for a mortgage suited to your income, deposit, and goals — including options you won’t find by walking into a single bank.
Launch Your Portfolio: Specialist Buy-to-Let Mortgage Advice
Becoming a first-time landlord brings its own set of rules — rental income stress tests, evolving EPC requirements, and the choice between buying personally or via a Limited Company (SPV) structure. WeTrust introduces first-time landlords to Ingard Financial’s specialist buy-to-let advisers, based in offices across the UK, who search every relevant lender rather than a shortlist to find a mortgage that fits your investment plans. Whether you’re weighing up personal ownership against an SPV for tax purposes, or simply want to understand how rental stress-testing affects how much you can borrow, your adviser can talk you through the trade-offs before you commit.
Trusty's First-Meeting Checklist
Walking into your first conversation with a mortgage adviser is easier when you know what to ask and what to bring. This checklist is general information to help you prepare — it isn’t personalised advice.
Questions Worth Asking
- What’s the true cost over the initial term? — Ask your adviser to include arrangement fees, valuation costs and legal fees alongside the headline rate.
- Is there a better deal I can only get directly from a lender? — A true whole-of-market adviser should tell you if a direct-only deal beats what they can offer.
- What are the overpayment rules? — Check whether you can overpay by 10% or more a year without triggering Early Repayment Charges (ERCs).
- How would a rate rise affect my budget? — Ask how a 1–2 percentage point rise in the Bank of England base rate would change your monthly repayments.
- Can I lock in a rate today? — Many lenders let you reserve a rate several months ahead of completion; ask your adviser what’s available and whether you could switch if rates fall.
- What if my situation isn’t straightforward? — If you’re self-employed, have credit issues, or a complex income, ask directly — it’s exactly the kind of case Ingard’s advisers are trained to handle.
Your Fact-Find Document Pack
- Proof of income — your last 3 months’ payslips, or 2 years of certified accounts/SA302s if you’re self-employed.
- Bank statements — most lenders want to see your last 90 days of account activity.
- Deposit evidence — a savings statement, or a signed gifted-deposit letter if applicable.
- ID and address — a valid passport or driving licence, plus a utility bill dated within the last 3 months.
Having these ready helps your adviser focus their time on finding the right deal for you, rather than chasing paperwork.
How WeTrust Mortgages Works?
Wherever you are in your journey — buying, remortgaging, or investing — WeTrust’s role is to point you to Ingard Financial’s whole-of-market mortgage advisers, who compare deals from high-street banks and specialist lenders to find options suited to you. There’s no cost to you for this introduction, and no obligation to proceed.
Whole of Market
Ingard mortgage advisers look at every product in the marketplace rather than a restricted panel, which means more of the market gets considered before a recommendation is made — including deals that aren’t available directly to the public.
Fee-Free Advice
Using WeTrust to be introduced to our partners in-house mortgage adviser costs you nothing nor their initial advice. If your adviser’s own service carries a fee, they’ll explain how much and when it’s payable before any commitment is made — see Section 4 for how this works.
30 Years of Experience
WeTrust has no ownership stake in any lender or advice firm, so we have nothing to gain by pointing you anywhere other than what suits your situation. And because Ingard has been giving mortgage advice since 1991, your recommendation comes from a team that’s seen a lot of markets, not just this one.
As Easy as 1, 2, 3
Getting started takes a few minutes: gather the basics — your income, deposit or equity, and what you’re looking to achieve — and share them through our short form. We only ask for what’s needed to match you with the right adviser.
Share Your Details
Getting started takes a few minutes: gather the basics — your income, deposit or equity, and what you’re looking to achieve — and share them through our short form. We only ask for what’s needed to match you with the right adviser.
On consent: You’ll be asked to actively opt in if you’d like to hear from us about other offers — we don’t use pre-ticked boxes, and you can see exactly how your data is used in our [Privacy Policy] before you submit anything.
Speak to a Mortgage Adviser
We’ll pass your details to Ingard Financial, who will match you with one of their mortgage advisers, based in offices across the UK. They’ll review your circumstances and talk you through whole-of-market options suited to your budget and goals, in plain English — this is where you receive actual, regulated advice, not before.
Start Your Mortgage Application
If you decide to go ahead, your adviser manages the application from start to finish and keeps you updated at each stage. Any fees, whether from your adviser or the lender, will have already been set out to you in writing before you reach this point.
Step-by-Step: Your Path to a Smarter Mortgage
Welcome to WeTrust Mortgages
Whether you’re buying your first home, stepping into the buy-to-let market, or reviewing your existing mortgage rate, finding the right deal shouldn’t mean wading through hundreds of lenders on your own.
WeTrust doesn’t provide mortgage advice itself. As an Appointed Representative of Ingard Financial Limited, we refer you to Ingard’s in-house mortgage advisers — an FCA-authorised and regulated mortgage network that’s been giving people simple, jargon-free mortgage advice since 1991. With advisers based in offices across the UK, Ingard’s teams know the UK mortgage and property market inside out — so you get someone who understands your local area as well as the national picture.
There’s no charge for WeTrust to refer you to an adviser. Any fees an adviser charges for their own advice or arranging your mortgage are a separate matter, and always confirmed with you directly, in writing, before you commit to anything. Full details of who we are and how this arrangement works are set out in the Regulatory Disclosure at the bottom of this page
Why Choose WeTrust to Find Better Mortgage Deals
- You Could Save Time — one short form connects you with a mortgage adviser, rather than approaching lenders one by one.
- You Could Save Money — Ingard’s advisers look at every product in the marketplace, not a restricted panel, so nothing gets ruled out before it’s had a fair look.
- No Hidden Agenda — WeTrust has no ownership ties to any lender, so we have no reason to point you anywhere other than what suits your situation.
- Safe & Secure to Use — your information is handled in line with UK GDPR and only shared with your consent.
Common Mortgage Questions: Trusty’s 2026 Knowledge Hub
How much deposit do I need to buy in the UK?
Deposit requirements vary by lender and product, but 10% is a common benchmark, with some lenders offering deals for deposits as low as 5% for eligible first-time buyers. A bigger deposit will typically open up lower interest rates, so it’s worth discussing your options with an adviser before deciding how much to put down.
What is an Agreement in Principle (AIP)?
An AIP is a lender’s initial indication of how much they might be willing to lend you, based on a quick assessment of your income and credit history. It’s not a guaranteed offer, but it’s often useful when you start viewing properties, and an adviser can help you obtain one.
Can I get a mortgage if I'm self-employed or have credit issues?
It’s often more possible than people assume. Ingard’s advisers are specifically trained to work with borrowers whose circumstances don’t fit a standard mainstream application — including self-employed income, missed payments, defaults, or more complex financial histories. Whole-of-market access means they can look for specialist lenders who take a broader view of your situation, rather than relying on a single credit score.
What other costs should I budget for beyond my deposit?
Depending on the purchase, you may need to budget for Stamp Duty, legal (conveyancing) fees, and survey costs. There’s no charge for WeTrust to refer you to an adviser; any adviser or lender fees will be confirmed with you directly and in writing beforehand.
When should I start looking at remortgage options?
Many people start exploring their options around 3–6 months before their current deal ends, since some lenders allow you to reserve a new rate in advance. An adviser can talk you through the timing that makes sense for your deal.
Should I buy a rental property personally or through a Limited Company (SPV)?
Many landlords now buy through a Limited Company structure for tax reasons, though it isn’t the right choice for everyone. Ingard Financial advisers have access to lenders who specialise in both personal and company buy-to-let applications, and can talk through which structure might suit your plans — this is a decision worth discussing with an adviser and, for the tax implications, an accountant.
What happens if I stay on my lender's Standard Variable Rate (SVR)?
The SVR is typically the most expensive rate a lender offers, and it applies automatically once your existing deal ends unless you switch. It’s worth reviewing your mortgage in good time to see whether a new deal or a product transfer would suit you better.
Can I remortgage to release equity for home improvements?
In many cases, yes — homeowners often remortgage to fund renovations or extensions. Whether this makes sense for you depends on your equity, your existing deal, and your wider finances, which is exactly the kind of thing an adviser can help you weigh up.
Is a product transfer better than a remortgage?
A product transfer (staying with your current lender) is often quicker and involves less paperwork, while remortgaging (switching lender) can sometimes secure a better rate. Which is cheaper overall depends on your circumstances and the deals available at the time — an adviser can compare both for you.
How is a Buy-to-Let mortgage assessed differently from a residential one?
Buy-to-let lending is usually assessed against the property’s expected rental income rather than your personal salary alone. Lenders typically apply a rental stress test (an Interest Coverage Ratio, or ICR) requiring rental income to cover the mortgage payment by a set margin, commonly in the region of 125–145%, though this varies by lender and by your tax status.
Can a first-time landlord get a buy-to-let mortgage?
Yes, this is possible, although some lenders prefer applicants who already own their own home. Ingard Financial advisers have access to specialist lenders who consider first-time landlords, so it’s worth discussing your situation rather than assuming you won’t be eligible.
Do EPC ratings affect buy-to-let mortgages?
Energy efficiency is an increasing focus for lenders, and some now offer preferential terms — sometimes referred to as ‘green mortgages’ — for properties with higher EPC ratings (typically C or above). Requirements and incentives vary by lender, so ask your adviser what’s currently available.
How much can I borrow for a mortgage?
Lenders typically base this on a multiple of your income — often in the region of 4 to 4.5 times a single or joint income, though this varies by lender and can be higher or lower depending on your outgoings, credit history, and the type of mortgage. Since April 2025, the FCA has also given lenders more flexibility in how they apply affordability stress tests, which means the amount on offer can vary more between lenders than it used to. Because of this, it’s worth getting a whole-of-market view rather than relying on one lender’s figure — an adviser can run your numbers against a wider range of criteria to see what’s realistically achievable.
What's the difference between a fixed-rate and a tracker mortgage?
A fixed-rate mortgage keeps your monthly payment the same for an agreed period — typically 2, 5, or occasionally 10 years — regardless of what happens to interest rates elsewhere. A tracker mortgage moves up or down in line with a reference rate (usually the Bank of England base rate plus a set margin), so your payments can rise or fall over time. Fixed rates tend to suit those who want certainty over their budget, while trackers can work out cheaper if rates fall, though there’s no guarantee they will. Which suits you depends on your appetite for that uncertainty and how long you plan to stay on the deal — an adviser can talk through both in the context of your own circumstances.
Regulated Mortgages: Your home may be repossessed if you do not keep up repayments on your mortgage. Remortgages: Think carefully before securing other debts against your home.Your home may be repossessed if you do not keep up repayments on your mortgage. Buy-to-Let (Unregulated BTL): The Financial Conduct Authority does not regulate most Buy-to- Let mortgages. Second Charge Mortgages: Your home may be repossessed if you do not keep up repayments on your mortgage.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.