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Mortgage Broker Swindon

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

From Swindon town centre to Old Town, Wichelstowe and North Swindon — covering SN1, SN2, SN3 and SN25 — we provide fee-free mortgage advice for buyers, homeowners and landlords across the area. Whether you’re buying your first home, moving or looking to remortgage, we compare lenders across the whole market to find the right fit for your property and circumstances.

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We Do All The Paperwork

Free Mortgage Broker in Swindon

A lot of people ask whether the advice really is free. Sometimes when something is described as free, it can sound too good to be true.

You don’t pay us for the mortgage advice, the mortgage application work or the chasing that happens along the way. We’re paid by the mortgage lender once the mortgage completes, which is how most brokers are paid. Some firms add a separate fee for their clients. We choose not to, and that doesn’t change the deal you’re offered.

Hi, we’re YesCanDo Money

Mortgage rates move and lender criteria shifts, often without warning. What worked for someone buying in Swindon a few months ago might not apply today, so we look carefully at the property, your situation and how lenders are assessing cases right now.

Swindon has a broad mix of housing that mortgage lenders treat differently. Modern developments around North Swindon are usually straightforward, while older terraces, converted flats and some ex-local authority properties closer to the centre can bring additional checks around construction, lease details or valuation. Before submitting anything, we make sure your situation and the property fit the lender’s criteria.

You won’t pay us a fee. All mortgage brokers are paid by 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 purchase. We’ll deal with the mortgage.

Trusted mortgage advice in Swindon

We’re a mortgage broker used by customers across Wiltshire 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. That includes high street banks as well as specialist lenders. That range becomes important when a case isn’t straightforward, whether it’s income structure, credit history or how a particular property is assessed by a mortgage lender.

Access to over 99 mortgage lenders means we’re not limited to the criteria or products of a single bank.

We work with over 99 Mortgage Lenders

Why Choose YesCanDo Money for your Swindon Mortgage?

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

We deal with the mortgage application, the lender contact and the chasing that usually slows things down. From first enquiry through to mortgage offer, you have a real adviser handling the process so you’re not left trying to interpret lender questions or paperwork.

What you can expect from us

Choosing the right mortgage broker makes a difference to how the whole thing feels. People in Swindon and across Wiltshire 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 compare high street banks and specialist mortgage lenders across the wider market. Some lenders only work through brokers, and some deals aren’t available if you go directly to a bank.

Clear, straightforward advice

We explain how a mortgage lender is likely to assess your situation and what’s realistic before a mortgage application is submitted. No jargon and no surprises halfway through.

We handle the paperwork

There’s more admin involved in a mortgage than most people expect. We deal with the forms, the lender questions and the chasing as your mortgage application moves forward.

Matching you with the right lender

Different mortgage lenders view properties and income differently. We focus on placing your mortgage application with a lender whose criteria genuinely fit the case.

Updates as things progress

You’ll know what’s happening and what comes next. We keep communication clear and responsive, so you’re not left chasing updates.

Fee-free from start to finish

All mortgage brokers are paid by mortgage lenders when a mortgage completes. Some firms charge clients on top. We choose not to.

What Our Swindon Clients Say About Us

At YesCanDo Money, we’re proud of the feedback we receive from our clients. We’re 5-star rated on Trustpilot with hundreds of reviews and ranked in the top 10 mortgage brokers in the UK. It reflects the way we look after people from first enquiry through to completion.

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

Our Swindon Mortgage Services

At YesCanDo Money, we help buyers, homeowners and landlords across Wiltshire with clear, fee-free mortgage advice. Whether you’re buying your first home, moving, remortgaging or dealing with something less straightforward, we focus on what fits the property and your circumstances.

First-time Buyer Mortgages Swindon

Buying your first home comes with questions around deposit size, income multiples and mortgage lender checks. We explain how lenders assess a first mortgage application and handle the process from start to finish.

Remortgage Services in Swindon

If your rate is ending or you want to review your options, we compare the best available deals and arrange the switch. We handle the mortgage application and lender contact so the transition stays smooth.

Moving Home Mortgages in Swindon

If you’re moving within Wiltshire or relocating into the area, we compare porting your existing mortgage with switching to a new mortgage lender. We manage the mortgage application so everything lines up with your sale and purchase.

Buy-to-let mortgages Swindon

Buy-to-let lending works differently to residential mortgages. Rental income, property type and lender criteria all play a part. We structure the mortgage application to match what lenders are looking for.

Bad Credit Mortgages Swindon

Past credit issues don’t automatically mean a mortgage isn’t possible. Some mortgage lenders take a broader view of credit history than others. We look at the full picture and place the application where it has the best chance of acceptance.

Mortgage Protection Services Swindon

We also advise on life cover and income protection where it makes sense. If you’re taking on a mortgage, it’s worth considering how the payments would be covered if circumstances change.

Our Swindon 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 Swindon

First-Time Buyers in North Swindon

The situation

A couple buying their first home had an offer accepted on a three-bedroom house in Redhouse, North Swindon for £310,000. They had saved a £25,000 deposit and wanted to understand how much they could realistically borrow before progressing further.

The challenge

They had initially spoken to their bank but were given a borrowing figure slightly below what they needed. With strong demand in newer estates around North Swindon, they were worried about losing the property if the mortgage took too long to arrange.

What we did

We reviewed their income, monthly commitments and deposit position, then compared lenders across the wider market. One lender could offer a higher income multiple than their bank while keeping payments within affordability limits. We secured an agreement in principle quickly and submitted the full application for around £285,000.

The outcome

The lender issued a mortgage offer within three weeks and the purchase moved forward without delays. The couple secured the property and moved into their first home on a five-year fixed rate that fit their budget.

Moving Home from Old Town Swindon

The situation

A family selling their Victorian terrace in Old Town for £360,000 were buying a larger detached property near Wroughton priced at £520,000. After repaying their existing mortgage, they expected to carry forward roughly £130,000 in equity.

The challenge

The property they were buying had some non-standard construction features. They were concerned this could limit their options and potentially delay the purchase.

What we did

We reviewed the property details and checked which lenders were comfortable with that construction type before submitting the case. We then arranged borrowing of approximately £390,000 with a lender experienced in older properties.

The outcome

The valuation confirmed the property was suitable security and the mortgage offer followed shortly afterwards. The purchase completed smoothly — the construction type that had worried them didn’t cause a single problem.

Remortgage in Swindon to Secure a New Fixed Rate

The situation

A homeowner in Abbey Meads contacted us as their fixed rate was coming to an end. Their property was valued at around £420,000 with a remaining balance of approximately £250,000.

The challenge

Their existing lender had offered a product transfer, but the rate was higher than they expected. They wanted to know whether moving to a new lender would reduce their payments enough to justify the switch.

What we did

We compared the product transfer against remortgage options across the wider market. Switching lenders secured a better five-year fixed rate, and the new lender covered the standard legal costs involved.

The outcome

The new deal reduced their monthly payments compared with the transfer offer, and the remortgage completed before their existing rate expired — avoiding a move onto the higher follow-on rate.

Local mortgage advice about Swindon

Buying property in Swindon can vary quite a bit depending on the area and the type of home involved. From newer estates around North Swindon to older terraces and town centre properties, different homes can be assessed differently by mortgage lenders.

Areas such as Abbey Meads, Redhouse and Haydon End tend to have more modern developments built over the last couple of decades, which lenders often view as straightforward. Closer to the town centre and older parts of Swindon, you’ll find Victorian terraces, converted flats and period homes, which can sometimes bring additional checks around construction, lease details or building structure.

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

New-build homes may come with tighter loan-to-value rules, particularly where developer incentives are involved. Flats in converted buildings can raise questions around lease length, service charges or building maintenance. Older properties in surrounding villages can also narrow lender choice depending on construction type.

Property prices in Swindon reflect that variety. Flats can often start around £150,000 to £200,000 depending on location and condition, while family homes commonly range from £280,000 to £450,000. Larger properties or homes in nearby villages can go higher. At those levels, borrowing limits and deposit size become an important part of the conversation. Many mortgage lenders cap borrowing around 4.5 times income, although some will stretch further depending on profile.

Swindon’s rail connection to London Paddington and its position between Bristol and Reading continue to attract buyers relocating for work or commuting.

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

Frequently Asked Questions

Do I need a mortgage broker when buying in Swindon?

No, you can go directly to a bank or building society. However, a mortgage broker can compare deals from many mortgage lenders rather than just one. Some lenders only work through brokers, and certain mortgage products aren’t available directly. A broker can also help match your mortgage application to a lender whose criteria fits the property and your income.

Can I get a mortgage in Swindon with a 5% deposit?

Yes, many mortgage lenders offer mortgages with deposits starting from 5%. The options available depend on income, credit history and the property type. New-build homes or flats may sometimes require a slightly larger deposit depending on the lender’s rules.

Are mortgages harder to get on older Swindon properties?

Older terraces and converted flats can sometimes bring extra checks around construction, lease length or building condition. Some mortgage lenders are stricter than others, so choosing the right lender for the property can make a difference to how smoothly the mortgage application progresses.

How much can I borrow for a mortgage in Swindon?

Most mortgage lenders allow borrowing of around 4 to 4.5 times household income. Some lenders may offer closer to 5 times income depending on affordability, deposit size and credit profile. The exact amount will depend on your circumstances and the property being purchased.

Is mortgage advice from YesCanDo Money really fee-free?

Yes. You don’t pay us for the mortgage advice, the mortgage application or the work involved in arranging the mortgage. Like most mortgage brokers, we’re paid by the mortgage lender once the mortgage completes. Some firms charge an additional fee on top, but we choose not to.

Ready to start your mortgage process? Contact us

If you’re buying or remortgaging in Swindon 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 trying to achieve. Income, deposit, the property and anything that could affect mortgage lender choice. From there, we explain what’s realistic and how lenders are likely to assess it.

2. We find and secure the deal

We search across the wider mortgage market, including mortgage lenders you can’t always approach directly. Once you’re happy with the option, 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 through to completion, and if a better rate becomes available before then, we’ll check whether switching makes sense.

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Local mortgage expertise in Swindon

Swindon properties can look straightforward on the surface — modern estates, town houses and homes across areas like North Swindon, Old Town and Wichelstowe. But when it comes to lender criteria, the details still matter.

We work with buyers and homeowners across Swindon, matching applications to lenders whose criteria genuinely fit the property and income involved. Ex-local authority homes, flats in converted buildings and some newer developments can all influence which lender is the right choice.

We’re a family-run mortgage broker, not a call centre. You deal with a real adviser who understands how lenders assess different property types across Swindon and the surrounding Wiltshire area.

We also think ahead. If you plan to move again in a few years, let the property out later, or expect your income to change, that can influence which lender and rate structure make the most sense now.

It’s not just about the headline interest rate. It’s about placing your mortgage properly.

Wiltshire Mortgage Advisers

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