Mortgage Solutions
At Ben Garratt Mortgages and Protection, we’re here to guide you through life’s most important financial decisions with confidence and clarity.
First time Buyers
We specialise in guiding first-time buyers through the often overwhelming mortgage journey with clarity and confidence. From exploring your options to securing the best possible rate, we’ll help simplify every stage of the process.
We’ll walk you through the paperwork, explain your choices in plain English, and make sure you feel informed and empowered at every turn.
Whether you're working on your deposit, checking your credit, or ready to start house hunting, we’ll be right by your side—making the path to homeownership as smooth and stress-free as possible. With our expert guidance, you can move forward with confidence and turn your dream of owning a home into a reality.
Moving Home
We understand that moving home can feel overwhelming, that’s why we’re committed to supporting you every step of the way. From your very first enquiry, we take the time to understand your unique circumstances and offer tailored mortgage solutions designed to make the process as straightforward and stress-free as possible.
We will walk you through each stage, from choosing the right mortgage to managing the paperwork and navigating the financial checks.
Our support doesn’t end when the deal is done—we’re here to provide guidance and reassurance long after you’ve settled into your new home, ensuring a smooth and confident transition.
Remortgage
Supporting you through the remortgage process is one of our top priorities.
We know that remortgaging can seem complicated, but you don’t have to face it alone—our team is here to guide you every step of the way.
From your first consultation to the final paperwork, we’ll provide personalised advice based on your individual financial circumstances. We’ll help you explore your options and secure a deal that works best for your goals, whether you're looking for a better rate or want to release equity from your home.
If your current mortgage deal is ending within the next six months, or you’re considering unlocking extra funds, get in touch with us today or give us a call on 07927593285.
Buy to Let
Whether you're stepping into the world of property investment for the first time or you're an experienced landlord looking to remortgage, we're here to help you make the most of your investment.
At Garratt Mortgages, we offer expert guidance and tailored buy-to-let mortgage solutions designed to suit your goals and financial circumstances. From understanding affordability and rental yield to navigating lender criteria, our team will support you through every stage of the process. Whether you're purchasing your first rental property or reviewing an existing portfolio, we’ll ensure you secure the right deal to maximise your return. Get in touch today to find out how we can support your buy-to-let journey.
What our customers say
We have just completed on our first home thanks to Ben Garratt Mortgages. Ben helped us all the way till the end, even sorting our home and life insurance for us. Being first time buyers and not having a clue what certain forms I needed to send, Ben was always on hand to help. he advised us all the way through on what to do next and he made buying a house stress free! Ben is a lovely person and is down to earth which me and my wife really liked this quality in the service as he never made me feel silly when I didn't know what solicitors were asking me to send in. if I could give Ben more than 5 stars I would, great service and a great person. thank you for all you help in making our dream a reality.
Stephen Hutchinson
Contact Us
Our expert adviser is on hand to walk you through your mortgage options and help you make informed, confident choices. Get in touch for a friendly, no-obligation chat
FCA Number 1015412
DISCLAIMER. Your home may be repossessed if you do not keep up repayments on your mortgage. Your property may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority. Ben Garratt Mortgages & Protection T/A BG Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Ben Garratt Mortgages & Protection, 52 Royds Street, Bury, BL8 3NH. Registered Company Number: 15312664, Registered in England and Wales. The Information on this website is subject to the regulatory regime and is therefore targeted at consumers in the UK. No representations are made as to whether the information is applicable in any other country which may have access to it. As with all insurance policies, conditions and exclusions will apply. There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £250 for a standard remortgage, £395 for a purchase and £695 for an adverse or debt consolidation.