Our Services

We offer a wide range of mortgage and finance options – all with clear, straightforward advice to help you choose confidently.

First-Time Buyer

  • Step-by-step guidance from budget planning to mortgage approval.
  • Help with UK schemes like Help to Buy and stamp duty exemptions.

Moving Home

  • Timing your sale and purchase to avoid stress.
  • Porting your current mortgage or arranging a bridging loan.

Complex Income Mortgages

  • Options for self-employed, contractors, and those with multiple income streams.
  • We work with lenders who go beyond the standard payslip approach.

Buy-to-Let Mortgages

  • Support for new and experienced landlords.
  • Advice on rental coverage and meeting affordability checks.

Commercial Mortgages

  • Finance for offices, retail, and industrial properties.
  • Development and short-term bridging finance available.

Bridging Loans

  • Short-term finance for purchases, auctions, or renovations.
  • Clear breakdown of costs and repayment terms.
Expert mortgage and financial solutions designed around your goals. Whether you’re buying your first home, moving, investing, or financing commercial property — we make the process clear, simple, and stress-free.
First-Time Buyers – Making your first step simple.

Your first home should be exciting, not overwhelming. We’ll:

  • Find mortgage options that fit your circumstances.
  • Guide you through Help to Buy, ISAs, and other UK buyer schemes.
  • Maximise benefits such as stamp duty reliefs.
Islamic Mortgages – Finance that aligns with your values.

Specialist guidance on Sharia-compliant mortgage solutions tailored to your needs.

Moving Home – A smooth transition to your next chapter.

We’ll make your move stress-free by:

  • Timing your sale and purchase with confidence.
  • Transferring (porting) your existing mortgage where possible.
  • Exploring bridging loans to bridge funding gaps.
Complex Income – Mortgage solutions for every lifestyle.
  • Help prepare the right financial documents.
  • Connect you with lenders who understand non-standard income.
Buy-to-Let – Grow your portfolio with confidence.

We support landlords and investors by:

  • Advising on market trends and tenant obligations.
  • Accessing competitive buy-to-let mortgage products.
Commercial Property – Finance built for business.

Expand or invest with confidence. Our services cover:

  • Mortgages structured around your business performance.
  • Offices, retail, and industrial property financing.
  • Development finance and bridging loan solutions.
Bridging Loans – Flexible short-term finance when you need it most.

A bridging loan can provide fast, temporary funding to cover gaps in property transactions. We support clients by:

  • Explaining how bridging finance works and when it’s the right option.
  • Securing short-term funding for purchases, auctions, or renovation projects.
  • Advising on costs, interest rates, and repayment terms with trusted UK lenders.

24/7 Support

Effective Solution

100% Secure

Mutual Help

Why Choose Us

At 5s Mortgage, we make your home financing journey simple, transparent, and stress-free. Here’s why our clients trust us:

  • Fast & Efficient Service – We keep your application moving and stay ahead of deadlines.

  • Friendly, Approachable Team – Real conversations, no jargon – we’re here when you need us.

  • Tailored, Transparent Advice – We match you with the right solution for your needs – no hidden surprises.

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