Professional Mortgage Brokers & Protection Advisers

For personal Mortgage & Protection advice, complete our quick enquiry questionnaire and your personal mortgage broker will be in touch.

We offer dedicated mortgage advice for Self Employed Mortgages, Buy to Let Mortgages, Adverse Credit Mortgages & Over 55's. As mortgage experts, we continue to help home owners throughout the UK with solutions that are designed around you. 


As professional mortgage advisers, offering advice across the UK. We are here to offer the support and guidance you need to secure the most suitable mortgage and protection products.


We want to work with you and be by your side every step of the way. We offer a FREE, no-obligation consultation so you can understand your options before moving forward. A broker fee may be payable.


By letting us complete your mortgage, you will have more time to dedicate to the things you love and enjoy.

Areas Were We Can Help Secure Your Mortgage Offer

First Time Buyers

If your thinking of buying your first property, then you're probably thinking about your mortgage options. We have helped lots of First Time Buyers secure their mortgage and continue to support them for years to come


We all remortgage for many reasons: cheaper deal, home improvements, debt consolidation and more. Whatever your reason, we have 1000's of mortgage deals to ensure you get the right one.

Moving Home

Are you thinking of moving home and still require a mortgage? We can help you secure the right deal moving forward, whether that be with your existing provider or a new one.

Buy to Let

If you're investing in property, then you need to ensure that you are getting the right deal to maximize your returns. We can help first time buyers to portfolio owners with whole of market access.

Mortgage Declined

If you've had your mortgage declined, then you might be unsure where to turn. The good news is we have helped many clients with many different problems, so whatever your reasons are, we would be delighted to help.

Seven steps to buying a property

If you are considering the purchase of a property, you should always seek advice from a qualified mortgage adviser. They will guide through the process and make a recommendation based your preferences and affordability. This is always a great first step to ensure you can view properties with confidence.

A decision in principle is the first step to getting a mortgage. At this stage, lenders will evaluate your finances and credit history to be sure you can support the mortgage. Once agreed, you can then move to the next step of the process. The decision is not a guarantee of a mortgage, as you are still subject to underwriting and a valuation on the property, but it is definitely a positive step.

Now you have approval for the mortgage, you can start to seriously consider the properties you want to buy. Once you’ve found the one, you can make a formal offer to the agent who is selling the property and provide your agreement in principle to show that you are able to proceed. If your offer is approved, let your mortgage adviser know.

Your adviser will now review the mortgage and protection options again and once you are happy, will submit the application to the lender on your behalf. During the application process, there may be some fees payable, such as the cost of a valuation. At this stage, your adviser can instruct a conveyancer on your behalf, if you haven't appointed anyone.

At this step of the process, the lender will review all your information to make a formal decision on whether or not to offer the mortgage. You will need a valuation to be carried out, which the lender will arrange, but you can upgrade this if you would like a more in-depth report. This process can take anywhere from a couple of days to a couple of weeks, but you should be kept up to date with the progress throughout.

This is a really exciting step for any buyer and a positive step closer to owning the property, as the mortgage provider has agreed the requested loan. You’ll now be provided with an offer document and copies will be sent to all the relevant parties. The mortgage offer will generally be valid for 3 to 6 months and can usually be extended if required.

Behind the scenes your chosen conveyancer will be doing all the legal searches on the property, liaising with your lender, our team and the vendor’s conveyancer. They provide a hugely important part of the process, so it’s always best to choose someone you can trust. If you are unsure about which conveyancer to use, please let us know and we can recommend someone from our trusted network.

The exchange of contracts is the final commitment when purchasing your property and usually only takes place when the whole chain is ready and all legal work is complete. You’ll agree a completion date, which can be simultaneous or at a later date, and then finally you complete! This is when you pick up the keys to your brand-new home.

What documents are required for a mortgage application?

A checklist
Proof of identity

When you take out a mortgage, lenders need to know who you are. They use many different systems and techniques to verify your identity but may ask for the following personal documents.

  • Valid Passport
  • Valid UK visa / right to reside for any foreign national
  • Valid Driving License
  • Utility Bill dated in the last 3 months (Gas, Electric, Water)
  • Council Tax statement
Proof of Income

As you can imagine, lenders like to know you can afford the mortgage you're looking to raise. So they want confirmation of your earnings. Typical documents would be;

For employed applicants

  • Latest 3 months’ payslips 
  • Latest annual P60
  • Signed copy of most recent contract

For self-employed applicants

  • Latest 12 months CIS Slips
  • Latest three Tax Calculations (SA302’s) and corresponding Tax Year Overviews 
  • Latest 3 years full company accounts including profit and loss
  • Latest 3 months business bank statements
Proof of outgoings

As part of the lenders requirements to obtain a good understanding of your financial situation, they will need to know what your outgoings are. This includes financial commitments, bills and general spending. This information is usually obtained by requesting the following information;

  • Copies of your most recent bank statements
  • Sight of your credit report
  • Proof that commitments have been paid off
Is there anything esle I may need to provide?

We are glad you asked. The amount of documents a lender can ask for is not limited and they are within their right to request any evidence they require. Your personal mortgage consultant will liaise with both yourself and the lender to ensure that all the required documents are requested and provided to avoid any potential delays.

Where do I go from here?

It can be challenging to find the right mortgage, so working with a qualified adviser is a great way to help navigate the vast mortgage market when it comes to financing your property. That’s where we come in.

We are a Mortgage & Protection brokerage with access to a comprehensive range of lenders consisting of banks, building societies and insurers. But we’re also much more than that. When you work with Robin Mortgage Design, you can trust that not only have we searched the market to find the most suitable deals available to you, but we are also fully committed to supporting you through the entire lifetime of your mortgage.

We’re really proud of the commitment and service we provide; we’ll look after your best interests from the very first time we speak, until you're mortgage-free. We’ll make sure that you remain on the most suitable deals for your circumstances throughout your mortgage term and we’ll also help you to put the appropriate protection in place to secure your property for life. At every stage, we’ll provide you with bespoke solutions that are designed around you and specific to your needs.

If you’d like to know more about how we could help you, our friendly team would be delighted to speak to you.

Ready to contact your dedicated adviser?

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We want to ensure that you know who you're dealing with. So, here are some questions that we regularly get asked about our services.

Are you 'whole of market'?

Yes. We have access to a comprehensive range of lenders across the UK and do classify ourselves as whole of market unlike other firms who only have access to very limited panels.

Do you charge a fee?

Yes. We charge our fee on mortgage offer, but this can vary depending on the complexity of your mortgage. Our costs will be confirmed to you at the earliest opportunity and before any formal commitment is made by yourselves.

Are you a member of any regulatory body?

Yes. We're apart of HL Partnership who are regulated by the Financial Conduct Authority and we follow strict guidance and regulations provided by them. We also have a comprehensive compliance process to ensure our advice is suitable for your situation. Finally we comply with all Data Protection Regulations. You can be safe in knowledge that you and your data are in safe hands with us.

Are you independent?

Under FCA regulation we are not classified as independent. However we are not tied to any one lender or other institution, We are a mortgage brokerage in our own right here to work for you and will always have your interest at the heart of our advice. So, in that sense, yes we are independent.

Thank you for visiting us today! We hope you have found what you were looking for and should you require anything else, please do get in touch, we would be delighted to help.

Our latest blogs cover topics from across the mortgage & protection market, so why not take a look...

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0333 242 3863

22 South St, Castlethorpe, Milton Keynes MK19 7EL


The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Not all forms of mortgage lending such as certain Buy to Lets are regulated by the Financial Conduct Authority along with some additional related services, such as Conveyancing. A full disclosure document will be provided to you.

If you are considering securing additional debts against your home: Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Some links on this website will take you to third party websites. Robin Mortgage Design have no control over and are not responsible for the content of other sites.

*some services are by provided as a referral to a third party company. No personal information will be shared with such companies without your prior permission. Robin Mortgage Design have no control over these companies and cannot be held accountable for their service or advice.

Robin Mortgage Design is a trading style of Robin Partnership Ltd whom is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.  The registered Office of Robin Partnership Ltd is 22 South Street, Castlethorpe, Milton Keynes, Buckinghamshire, MK19 7EL. For more information please refer to the FCA register

Robin Mortgage Design charge a broker fee which is only payable on the mortgage offer. The precise amount will depend upon your circumstances however a typical fee is £395.00 and the maximum that could be charged is £1,495.00