Your Local Mortgage Experts
– Making Mortgages Simple

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Home Sorted is a trading style of Instant Mortgage Solutions Limited who is authorised and regulated by the Financial Conduct Authority.

FRN 938412 Registered in England & Wales, Company registration No. 12463907. Registered office: 21 Station Parade, Hornchurch, RM12 5AB.

If you wish to register a complaint, please write to info@instantmortgagesolutions.co.uk or telephone 01708 509161.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on
0800 0234 567.

What We Do

At Home Sorted, we specialise in finding the right mortgage for you. Whether you’re buying your first home, moving house, remortgaging, or investing in property, we’ll guide you every step of the way- from application to keys. We offer expert advice tailored to your needs — making the complex simple and saving you time, stress, and money.

Let’s get your mortgage sorted!

Think You Can’t Buy a Home?
Think Again

Buying with just a 5% deposit? No problem — we work with lenders offering 95% mortgages. We’ll guide you through everything and help you get mortgage-ready.
No deposit at all? There are options. Some lenders now offer mortgages based on your rental payment history and income — no deposit required. We also advise on guarantor mortgages, where a family member can support your application and help you get on the ladder.
On a work visa and want to buy in the UK? Absolutely possible. We’ve helped many clients on skilled worker, spouse, or Tier 2 visas become homeowners.
Worried a mortgage will be too expensive? We’ll find a deal that fits your budget — and we’ll always explain your options clearly and honestly.

At Home Sorted, we believe homeownership should be within reach — not just a dream. Whether you’re starting from scratch or have a unique situation, we’re here to make it work.
We want to see you holding the keys to your new home.

Let’s make it happen — book your free chat today.

First-time buyer mortgages

Buying Your First Home? We’ll Guide You Through It!

We know buying your first property can feel overwhelming. That’s why we take the time to explain the process clearly, show you the best deals available, and help you with budgeting. We’ll answer all your questions and support you every step of the way — from getting a mortgage agreement in principle to receiving your keys.

Remortgages

Time for a Better Deal? Let’s Remortgage Smart.

Whether your current deal is ending or you want to release equity, we’ll help you remortgage with confidence. We’ll compare the market and even take care of the paperwork to make switching as smooth as possible.

We never charge our customers for a rate switch!

Buy-to-let mortgages

Looking to Invest? We Know Property Finance.

Whether you’re a seasoned landlord or buying your first rental, we offer clear, professional advice on buy-to-let mortgages. We’ll help you understand your options and secure competitive rates that work with your investment strategy.

Self-employed and contractor mortgages

Self-Employed? Contractor? You Still Have Options.
Just because you don’t have a 9-to-5 job doesn’t mean you can’t get a mortgage. At Home Sorted, we specialise in helping self-employed people, freelancers, and contractors secure competitive mortgage deals — even if your income is a bit more complex.

We work with lenders who understand:

Sole traders
Limited company directors
CIS (Construction Industry Scheme) workers
Day-rate and fixed-term contractors
Freelancers with irregular income

We’ll guide you through the documents you need (like SA302s, tax returns, or company accounts) and match you with lenders who assess your income fairly. Even if you’ve only been self-employed for a short time, we may still be able to help.

You focus on your business — we’ll sort your mortgage.

Protection & Insurance Advice

Protect What Matters Most - your family, yourself.

we’ll guide you through your protection options, explain what each type of insurance covers, and help you choose what’s right for your circumstances and budget.

We offer expert advice on:

Life Insurance – pays off your mortgage if you pass away during the term
Critical Illness Cover – pays a lump sum if you're diagnosed with a serious illness
Income Protection – helps cover your monthly payments if you're off work due to illness or injury
Family Income Benefit – provides regular tax-free payments to your family if you die
Buildings & Contents Insurance – protects your property and personal belongings

We work with trusted insurers and tailor every policy to suit your needs — no one-size-fits-all advice here.

Book a free, no-obligation call with one of our advisers.

We’re happy to answer your questions and see how we can help.

BOOK A CHAT

Book a Chat & Get Pre-Approved

We’ll have a quick conversation to understand your goals, budget, and circumstances. Then we’ll get you a mortgage agreement in principle — so you know what you can afford and can start house hunting with confidence

Find Your Dream Home

Once you're pre-approved, it's time to view properties and make an offer. As soon as your offer is accepted, we’ll handle the mortgage application and all the paperwork for you — keeping it as stress-free as possible

We Secure the Best Deal for You

When your offer gets accepted we search the cheapest lender and find the most suitable mortgage based on your needs — not just what’s easiest or fastest. We also liaise with lenders, solicitors, and estate agents to keep everything moving smoothly.

Get the Keys & Celebrate

Once your mortgage offer is confirmed and legal checks are complete, you’ll exchange contracts and complete the purchase. We’re still here for any questions — and we can help with insurance and future remortgaging too

Fill in the form below and one of our FCA regulated mortgage advisers will call you

Why Use a Mortgage Broker Instead of Going Straight to a Bank?

Comprehensive list of lenders – we compare deals from 100+ lenders, not just one
Tailored advice – we recommend what’s right for you, not just what’s on offer
Better chances of approval – we know which lenders are flexible with income, credit, or unique situations
We save you time and hassle – we deal with the paperwork and chase things up so you don’t have to
You focus on the house-hunting — we’ll handle the numbers.

Why Choose Us?

Comprehensive list of lenders
Friendly and professional support
We handle the paperwork
We make sure you are on the best possible rate
We monitor the rate and update it for a better one
Quick decisions, clear communication
Access to exclusive deals
From application to keys - we won`t drop out

Happy Customers

What they’re saying

This is
Swapna Sukumar
GB•5 reviews
8 May 2025
Yulia Isaeva the ABSOLUTE BEST!
I cannot recommend Yulia Isaeva highly enough—she is truly exceptional. I was initially referred to Home Sorted by an estate agent, and to be honest, I had my reservations about speaking with a mortgage broker, as I had no idea where to begin.

From the very start, Yulia was incredibly helpful and patient. She took the time to sit down with me and walk me through the entire home-buying process step by step, providing a clear and informative presentation that made everything feel much more manageable.

A few months later, while I was still casually browsing properties, she graciously repeated the same process with my spouse, helping both of us become better informed and more confident in our understanding.

Her approach has always been transparent, and she never made us feel rushed or overwhelmed.

Although we faced some challenges with the first two properties we considered, Yulia remained optimistic and encouraging. She kept reminding us not to lose heart, assuring us that those experiences were simply leading us toward the perfect home—and she was absolutely right.

When we finally found the right place, we encountered a few hiccups due to the previous attempts, particularly during the mortgage application process. Yulia handled everything seamlessly. She advocated for us every step of the way, securing an excellent mortgage offer at just a 5% down payment—an incredible outcome for us as first-time buyers.

Yulia always acted in our best interest, not only in selecting the mortgage but also in coordinating with estate agents during some of the more challenging moments. She was consistently supportive, knowledgeable, and proactive.

We are now very close to exchanging contracts, and I truly cannot thank Yulia enough for her unwavering support. It has been a genuine pleasure working with her, and I honestly cannot imagine having gone through this process with anyone else.

Swapna S.

Date of experience: 05 May 2025

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