Chris Law Mortgages

When you apply for a mortgage, there's a type of debt many people overlook. 🤔

You might declare credit cards or car repayments, but those 'buy now, pay later' schemes, such as Klarna, are also debt and must be declared.

Lenders see them as financial commitments, just like any other.

Having existing debt won't always take you out of the running! We know plenty of lenders who work with various credit histories. 💪

It's more about your income-to-debt ratio and whether you're actively paying these off. Our team helps you explore suitable options.

Book a chat with us today. ☎



Your home may be repossessed if you do not keep up repayments on your mortgage.

Getting an Agreement in Principle before you start viewing can make all the difference.🏡

Our team takes the guesswork out of it.

We’ll help you understand your borrowing power with an Agreement in Principle, explore low deposit options (yes, even 2% or 0% deposit mortgages are available!), and make sure you’ve factored in all the other costs like legal fees and surveys.

We do the sums so you can focus on finding that special place.

Let's chat about your options. 📱



Your home may be repossessed if you do not keep up repayments on your mortgage.

If you've ever wondered what we do for first-time buyers... Here's your answer! 🤩



Your home may be repossessed if you do not keep up repayments on your mortgage.

Did you know almost 60% of first-time buyers rule themselves out of a mortgage before even speaking to anyone? 🤔

They do this because they assume a bit of existing debt means they can't get on the property ladder. This isn't always the case!

Our team works with dozens of specialist lenders who understand that life isn't always linear. They have a much more understanding view of debt than the average high-street lender.

We help clients with less-than-perfect credit find suitable options.

While the application changes a little, we've helped many in your shoes secure a mortgage.

We'll need some bits like payslips, bank statements, and proof that you're actively paying off your debt to get things started, and we'll sort the rest!

We do the application, research, and admin so you don't have to! 🙌

Let's chat about your options. 📞



Your home may be repossessed if you do not keep up repayments on your mortgage.

Source: https://theintermediary.co.uk/2026/08/58-of-ftbs-rule-themselves-out-of-mortgages-before-applying-lloyds-finds/

If you’re a First-Time Buyer, a gifted deposit could help you step onto the property ladder sooner. 🤩

Some lenders are now expanding who can provide this support – it doesn't just have to be from the bank of mum and dad!

This new flexibility means friends or extended family can also help. Remember, the donor will still need to confirm it’s a gift, not a repayment in writing. 🔑

Every lender has different eligibility criteria.

Our team is here to help you understand the ins and outs of your specific mortgage agreement so you can be certain about the mortgage moves you make! 💪

Let's chat about your options. 📲



Your home may be repossessed if you do not keep up repayments on your mortgage.

Source: https://theintermediary.co.uk/2026/08/gatehouse-bank-widens-gifted-deposit-criteria/

You've worked hard to build the life you have. Shouldn't you protect it too? 🛡️

We understand the dedication it takes to create the life you love. Now, let's make sure it stays that way.

Protection isn't just for today. It's about the people you care about most.

Life insurance provides a financial safety net, helping to cover the mortgage, bills, and other commitments for your loved ones.

This ensures your family can focus on what truly matters, without financial worries.

And what about the unexpected? Income protection replaces a portion of your salary if you're unable to work due to illness or injury. It’s a crucial layer of security.

Your life evolves, so your protection should too. We can help review your cover as your circumstances change.

Let us help you find the protection that makes sense for the life you've built.

Book a chat with us today. ☎️


As with all insurance policies, conditions and exclusions will apply.