Mortgage and protection for blended families.
Bringing two families together comes with unique financial considerations. Whether you're combining incomes or managing previous financial commitments, We’re here to help you get where you want to be.
We’ve got your best interest at heart.
Your family is unique - your mortgage might be too.
Whether you're merging households, managing multiple income streams, or navigating financial commitments from a previous relationship, securing a mortgage can be more complex. We understand these challenges and work with lenders who see the bigger picture.
Tailored mortgage solutions for blended families.
If you’ve ever faced challenges due to multiple income sources, existing financial ties, or the need for a larger home to accommodate your family, we can help.
Many lenders have rigid policies that don’t always reflect the realities of blended family finances. We work with lenders who understand complex financial situations and know how to present your case in the best possible way.
Overcoming the challenges.
Mortgage eligibility after divorce or separation
We help you understand your options, whether you need to remove a name from a mortgage or secure a new home.
Affording the right home
A growing family may mean needing more space. We explore options to maximise borrowing potential while keeping payments manageable.
Balancing income & affordability
Lenders assess multiple incomes differently. We ensure all eligible income streams are considered.
Future-proofing your family
From life insurance to estate planning, we help protect your loved ones should the unexpected happen.
We’re here.
Whether it’s questions about your current mortgage, switching to a new deal, moving house or looking to protect your income, we’re here for you.
With our office in Monmouthshire and a network of colleagues across South Wales, Somerset and London, we’re never far away.
Quickly and easily book a call with us using the link below.
Our Approach
1. Discovery Call
This is where it all starts; we want to get to know you and what you need from us, our 30 minute strategy call is a great time to ask any initial questions and lay out our working relationship.
2. Fact Find
Using the latest technology we collate all the relevant documents and information from you securely allowing us to provide you high quality advice.
3. Advice & Application
Following extensive research of the market, we will provide our advice and recommendation ready for application. We then run through all the documents with you so you’re informed to make the right decision for you.
4. Progress to Completion
Personally managing the process from start to finish, from offer issue to completion as swiftly and efficiently as possible. Questions during the process? We’re here.
“We can't recommend Jonathan Southgate and the team enough!”
“Selling and buying houses is certainly not stress free. On top of that, navigating the world of mortgages, especially during a time of increased uncertainty with cost of living rises, interest rates and upcoming elections, is not straightforward. We used Sterling Southgate as our mortgage advisor which took away a big part of that stress and worry, giving us the right options for our current and potential future circumstances, supporting us along the house selling/buying journey.”
Sam & Alex. (June 2024)