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Mortgage Broker Paignton

One of the most-reviewed fee-free mortgage brokers used by Paignton buyers and remortgagers.

From Paignton town centre to areas like Goodrington, Preston and Collaton St Mary, we help buyers, homeowners and landlords across TQ3 and TQ4 with clear, fee-free mortgage advice. Whether you’re buying your first home, moving or looking to remortgage, we compare mortgage lenders across the market to find a deal that fits your situation.

5★ Trustpilot | Whole-of-market | Rates the same or better than going direct to the bank.

100% Free Service

Whole of Market Advice

We Do All The Paperwork

Free Mortgage Broker in Paignton

We hear this question more than almost any other. If there’s genuinely no fee, what’s the catch? There isn’t one.

You won’t be charged for the mortgage advice, the application work or any of the back and forth that goes on in between. When a mortgage completes, the mortgage lender pays the broker a fee. That’s how the industry is structured. Some firms then invoice their clients on top of that. We don’t. And the lender paying us makes no difference whatsoever to the rate or deal we find for you.

Hi, we’re YesCanDo Money

At YesCanDo Money, we keep mortgage advice straightforward and practical. Mortgage rates move and lender criteria shifts, sometimes quickly. What worked for someone buying in Paignton a few months ago might not apply today, so we look carefully at the property, the borrowing and how lenders are assessing cases right now.

Paignton has a mix of housing that mortgage lenders treat differently. Modern estates in Collaton St Mary and Goodrington are usually the most straightforward to place. Seafront apartments, older Victorian terraces near the town centre, converted flats and rural properties on the fringes can all bring additional scrutiny around construction type, coastal location, lease details or building condition. Before submitting anything, we make sure the property and borrowing fit the lender’s criteria properly.

You won’t pay us a fee. All mortgage brokers are paid by mortgage lenders when a mortgage completes. Some firms charge clients on top. We choose not to.

When you’re ready, we handle the mortgage application, the paperwork and the lender contact so the process keeps moving. If you’re moving home, we can also compare porting your current mortgage with switching lender so you can see the real difference.

You focus on the property. We’ll deal with the mortgage.

Trusted mortgage advice in Paignton

We’re a mortgage broker used by customers across Devon and the surrounding areas. You can read our independent reviews from people we’ve arranged mortgages for, which gives a good sense of how we work.

We compare around 14,000 mortgage products from more than 99 mortgage lenders, covering high street banks as well as specialist lenders. In Devon, where coastal properties, thatched cottages, cob wall farmhouses and properties with agricultural ties can all affect lender choice, that breadth becomes particularly important. Whether it’s income structure, credit history or the way a specific property is assessed, having options across the market makes a real difference.

With access to over 99 mortgage lenders, we’re not limited to the criteria or products of any single bank.

We work with over 99 Mortgage Lenders

Why Choose YesCanDo Money for your Paignton Mortgage?

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At YesCanDo Money, we’re a fee-free mortgage broker working in Paignton and across Devon. We compare high street banks and more than 99 mortgage lenders, matching each case to the criteria that fit rather than pushing it through one bank’s rules.

We handle the mortgage application, the lender contact and the back and forth that tends to slow things down. From your first enquiry through to mortgage offer, you have a real adviser managing the process, so you’re not left trying to make sense of lender questions or paperwork on your own.

What you can expect from us

Choosing the right mortgage broker makes a difference to how the whole thing feels. People in Paignton and across Devon often mention the same things when they talk about working with us, so here’s a sense of what you can expect.

Access to over 99 mortgage lenders

We work with high street lenders such as Halifax, Nationwide, Barclays and NatWest alongside specialist lenders who only work through brokers. Some deals simply aren’t available if you go directly to a bank, and in Devon that access can make a real difference.

Clear, straightforward advice

Before anything is submitted, we explain how a mortgage lender is likely to view your application and what’s genuinely achievable. No jargon, no vague answers, just a clear picture of what’s realistic for your situation.

We handle the paperwork

There’s more admin in a mortgage than most people expect. We complete the forms, respond to lender requests and keep the process moving so you’re not left chasing paperwork or trying to decode lender correspondence.

Matching you with the right lender

Different lenders assess income and property in different ways. We do the work upfront to find where your application fits best, which reduces the risk of delays, unexpected queries or a decline further down the line.

Updates as things progress

We keep you informed at every stage so you always know where things stand. If a decision has been made or something needs your input, you’ll hear from us straight away rather than having to ask.

Flexible appointments

We work around your schedule with phone calls, online meetings or WhatsApp, whichever suits you best. Most clients never need to meet us face to face and it makes no difference to the service they receive.

What Our Paignton Clients Say About Us

Our reputation matters to us at YesCanDo Money. Hundreds of clients have taken the time to leave five-star reviews on Trustpilot and we’re ranked among the top 10 mortgage brokers in the UK. That doesn’t happen by accident. It comes from taking every case seriously and making sure every client feels looked after from the very first conversation right through to completion.

Worked with us before? Feel free to leave us a review on either Google or TrustPilot.

Our Paignton Mortgage Services

At YesCanDo Money, we help buyers, homeowners and landlords across Devon with clear, fee-free mortgage advice. Whether you’re buying a coastal property, a rural farmhouse or a modern family home, we focus on finding what genuinely fits both the property and your circumstances.

First-time Buyer Mortgages Paignton

Getting your first mortgage in Devon can feel like a lot to take in. We break it down, explain what lenders are actually looking for and handle everything from the initial research through to the mortgage offer landing in your inbox.

Remortgage Services in Paignton

If your current deal is ending or you just want to know if you’re on the right rate, we search across 99+ lenders and handle the switch. It costs you nothing and takes the legwork off your plate entirely.

Moving Home Mortgages in Paignton

Moving home often means deciding whether to port your existing mortgage or switch to something new. We compare both options across the market and manage the application so you’re not juggling the mortgage on top of everything else a move involves.

Buy-to-let mortgages Paignton

Devon’s rental market is strong, particularly in coastal areas and around Exeter. Rental income, lender criteria and application structure all need to be right from the start, and that’s exactly what we focus on.

Mortgage Protection Services Paignton

A mortgage is a long term commitment and a lot can change. We advise on life cover, critical illness cover and income protection so that if something unexpected happens, your home and finances aren’t left exposed.

Our Paignton Mortgage Case Studies

Our team goes above and beyond for our customers. Below are some examples of real situations on how we helped people get a mortgage in Paignton

Case Study 1 – First-Time Buyers in Collaton St Mary, Paignton

The situation

A couple had an offer accepted on a three-bedroom new-build house in Collaton St Mary for £270,000. They had a £15,000 deposit saved and were keen to move quickly as the developer had limited plots remaining at that price point.

The challenge

The developer was offering a cashback incentive which some mortgage lenders treat as a reduction in the effective deposit, pushing the loan-to-value into a range where fewer lenders were comfortable. The couple had approached their own bank and been offered less favourable terms as a result.

What we did

We reviewed the incentive details, deposit position and both incomes and identified mortgage lenders comfortable with that type of incentive without penalising the loan-to-value. We secured an agreement in principle and submitted the mortgage application for £255,000 on a five-year fixed rate.

The outcome

The mortgage offer was issued within three weeks. The couple secured the plot, kept the cashback incentive and paid no broker fee throughout the process.

Case Study 2 – Seafront Apartment Purchase in Paignton

The situation

A buyer had an offer accepted on a two-bedroom seafront apartment in Paignton for £175,000. The property was on the third floor of a converted Victorian building close to the promenade with a remaining lease of 77 years.

The challenge

The combination of the seafront location, the building’s age, the lease length and the floor level meant several mortgage lenders either declined outright or came back with conditions that made the purchase unworkable. The buyer had already had one application fall through with their own bank before coming to us.

What we did

We reviewed the lease details, building condition and coastal location and identified mortgage lenders with more flexible criteria around older converted coastal properties with shorter leases. We placed the mortgage application with a specialist lender comfortable with the property profile and submitted with a full explanation of the building’s condition and lease position.

The outcome

The mortgage offer was issued and the purchase completed without further valuation issues. The buyer avoided a second decline and paid nothing for the advice or the application work.

Case Study 3 – Remortgage in Preston, Paignton

The situation

A homeowner in Preston contacted us as their fixed rate was coming to an end. Their detached home close to the seafront was valued at around £380,000 with an outstanding mortgage balance of approximately £195,000.

The challenge

Their existing lender had offered a product transfer but the rate was higher than expected given the loan-to-value position. They were also unsure whether the coastal location might cause any complications with a new lender.

What we did

We checked which mortgage lenders were comfortable with the coastal location and property type, then compared the product transfer against remortgage options across the wider market. We identified a lender offering a lower five-year fixed rate who covered standard legal costs as part of the remortgage package.

The outcome

The remortgage completed before the existing deal expired, reducing monthly payments compared to the product transfer offer. The homeowner paid nothing for the broker advice or mortgage application work.

Local mortgage advice about Paignton

Buying property in Paignton can vary more than people expect. As part of the English Riviera alongside Torquay and Brixham, Paignton sits on Torbay and its housing market reflects that coastal position, from seafront apartments and Victorian terraces close to the promenade to modern estates further inland, period properties in the older parts of town and more rural homes in the surrounding South Devon countryside.

Areas like Goodrington and Collaton St Mary to the south have seen steady development, with modern family homes attracting buyers looking for newer builds within easy reach of the coast. Preston, to the north of the town, is one of the more sought-after residential areas with a mix of detached homes and period properties close to the seafront. Closer to the town centre, around Winner Street and the older parts of Paignton, you’ll find Victorian terraces, converted flats and period properties that mortgage lenders can assess quite differently to newer stock. Blagdon and the rural fringes extend the Paignton market into genuine South Devon countryside.

That mix can affect how a mortgage lender assesses a property.

Seafront and coastal apartments can raise questions around construction, cladding, building height and flood risk depending on the block and its proximity to the sea. Older Victorian terraces and converted flats closer to the town centre can bring additional scrutiny around lease length, construction type and building condition. Properties in the more rural fringes can narrow lender choice depending on construction and location. New builds can come with developer incentives that affect the loan-to-value position.

Prices in Paignton are generally more accessible than Torquay or Brixham, which makes it a popular entry point into the Torbay market. One-bedroom flats typically start from around £100,000 to £140,000, while family homes commonly sit between £200,000 and £350,000. Properties in Preston or larger homes in the surrounding countryside can go considerably higher. Many mortgage lenders cap borrowing at around 4.5 times income, although some will stretch further depending on profile.

Paignton’s position on the English Riviera, its sandy beaches, good schools and relatively accessible prices continue to attract buyers from across the south west and beyond, including those looking for holiday let opportunities alongside primary residences.

Knowing Paignton helps. Knowing which mortgage lender will accept the property and borrowing structure is what really makes the difference.

Frequently Asked Questions

Do I pay a fee for mortgage advice in Paignton?

No. Our mortgage advice and application service is completely fee-free. We're paid by the mortgage lender when your mortgage completes, which is how most brokers are funded. Some firms charge their clients on top of that. We don't, and it makes no difference to the rate or deal we find for you.

Can you help with seafront and coastal apartments in Paignton?

Yes, though these need careful handling. Seafront apartments can raise questions with mortgage lenders around building construction, cladding, floor level, lease length and coastal location. Some lenders are more cautious about this type of property than others. We check which lenders are comfortable before submitting anything so you're not left dealing with a decline after the fact.

Can you help with holiday let mortgages in Paignton?

Yes. Paignton's coastal location makes it a popular area for holiday let investments. Holiday let mortgages are assessed differently to standard buy-to-let and residential mortgages, with lenders looking at projected rental income and occupancy levels rather than standard rental figures. We look at the full picture and place the application with lenders whose criteria fit the intended use of the property.

Can you help first-time buyers in Paignton?

Yes. Paignton is one of the more accessible entry points into the Torbay property market and we help a good number of first-time buyers here. We explain what's realistic in terms of deposit, borrowing and lender criteria and handle the full mortgage application from start to finish.

Do I need to use a mortgage broker based in Paignton?

No. You don't need a local broker to get good mortgage advice in Paignton. We're based in Portsmouth but help buyers and homeowners across Devon remotely, with everything handled by phone, email and WhatsApp. Most of our clients never need to meet us in person and it makes no difference to the quality of the advice or the mortgage application.

Ready to start your mortgage process? Contact us

If you’re buying or remortgaging in Paignton the starting point is a conversation. We talk it through, look at what’s realistic, and explain the options before anything moves forward. There’s no charge for that initial discussion. If it makes sense to proceed, we handle the application and the lender side through to offer.

What’s next?

1. We talk it through

We start with a short call to understand your situation and what you’re looking to achieve. Income, deposit, the property and anything that might affect mortgage lender choice, including any coastal, rural or non-standard elements common in Devon. From there, we give you a clear picture of what’s realistic.

2. We find and secure the deal

We search across the market, including mortgage lenders you can’t reach by going direct. Once you’re happy with the recommendation, we secure the rate, arrange an agreement in principle and submit the full mortgage application.

3. We see it through to completion

When the mortgage lender is satisfied, they issue the formal mortgage offer. We stay involved right through to completion, and if a better rate becomes available before that point we’ll look at whether switching makes sense.

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Local mortgage expertise in Paignton

Paignton sits at the heart of the English Riviera and its property market has a character that reflects that coastal identity. Seafront apartments, Victorian terraces, modern family estates and rural properties on the South Devon fringes all sit within a few miles of each other, and mortgage lenders assess them very differently.

We work with buyers and homeowners across Paignton, placing mortgage applications with lenders whose criteria genuinely fit both the property and the income involved. A seafront flat near the promenade is a completely different conversation to a new build in Collaton St Mary or a detached home in Preston.

We’re a family-run mortgage broker, not a call centre. You deal with a real adviser throughout, someone who takes the time to understand your situation and works out the best route forward before any paperwork is started.

We also think ahead. Paignton attracts buyers with a range of plans, from family homes to holiday let investments. If the property might serve more than one purpose over time, that’s worth factoring into the lender and rate structure we recommend from the start.

It’s not just about the rate. It’s about placing your mortgage with the right lender from the beginning.

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