Mortgage Calculators

Adviser Profile

Advocate Mortgage & Protection Ltd

About Us

Advocate Mortgage & Protection Ltd, a mortgage broker in Huntington. We stand for more than mortgages and numbers; we stand for people. Just as an advocate represents, supports and guides, our role is to champion your financial journey with clarity, confidence and care.

We see every client as an individual with their own goals, challenges and ambitions. Our responsibility is to speak for your best interests, ensuring your voice is heard in a marketplace that can often feel crowded, complex or overwhelming. Like a true advocate, we translate the jargon, remove the noise and present the options that genuinely serve your needs.

From your first conversation with us, you’ll find that we don’t simply arrange finance, we represent your aims. We negotiate on your behalf, protect your priorities and help shape the future you’re working toward.

How can we help?

Advocate Mortgage provides specialist mortgage and property finance solutions tailored to the needs of homebuyers, landlords, property investors and business owners. Whether you’re purchasing your first residential property, expanding a rental portfolio, refinancing a commercial unit or protecting your family’s future, our advisers take the time to understand your circumstances and deliver personalised recommendations.

We work closely with a wide panel of lenders offering residential, commercial, buy-to-let and protection products, ensuring you receive competitive options that match your goals. Our focus is simple, straightforward advice, fast communication and financial solutions that help you move forward with confidence.

Whether you’re buying a home, building a portfolio or strengthening your financial security, we walk alongside you as a trusted partner, not just a service provider. Every recommendation we make is grounded in understanding, transparency and the belief that good advice should empower you. We’re here to stand in your corner, guide you through complex decisions and ensure you always feel supported. We champion your goals because being an advocate isn’t just our name, it’s our purpose.

Row of traditional residential houses on a sloping street, featuring classic brick facades, sash windows and chimney stacks in an urban neighbourhood. Advocate Mortgage & Protection Ltd

Residential

View over densely packed rooftops of traditional stone and brick houses, showing chimneys, dormer windows and terraced properties in a historic urban area. Advocate Mortgage & Protection Ltd

Commercial

Close up of a hand holding a house key above miniature model homes, symbolising property purchase, home ownership and mortgage approval. Advocate Mortgage & Protection Ltd

Buy-to-Let

Wooden park bench beside a large tree in a quiet green garden setting, surrounded by grass and shrubs, creating a peaceful outdoor scene. Advocate Mortgage & Protection Ltd

Protection

Residential

Buying a home is one of the largest financial commitments many people will make. Advocate Mortgages offers support across a range of residential mortgage needs, including first-time buyer mortgages, home mover mortgages, remortgages and more complex residential cases.

Our advisers assess your circumstances and explain the options available. This includes comparing products from a range of lenders, reviewing affordability, and outlining the differences between fixed and variable interest rates. We guide you through each stage of the application process, from initial enquiry to completion.

If you are self-employed, have multiple income sources, or have experienced previous credit issues, we will discuss how these factors may affect your application. Where suitable, we will identify lenders whose criteria align with your circumstances and explain any associated risks or considerations. Our role is to provide clear information so you can make an informed decision based on your financial objectives and long-term plans.

Commercial

Advocate Mortgage and Protection Ltd provides advice and arrangement services for commercial mortgages to business owners, property investors and developers. Whether you are purchasing an office, warehouse, retail unit or mixed-use property, we help you explore suitable commercial lending options to support your business objectives.

We can assist with owner-occupied commercial mortgages, investment properties, semi-commercial premises, short-lease units and refinancing where appropriate. This may include reviewing options to improve interest rates, restructure borrowing or raise capital, subject to lender criteria and affordability.

Commercial lending can be complex, and the criteria vary between lenders. We assess your circumstances, business structure and financial position before recommending a suitable product. All advice is provided in line with regulatory requirements, ensuring clear information, transparent costs and fair treatment throughout the process.

Buy to Let

Landlords and property investors can access a wide range of buy-to-let mortgage products through Advocate Mortgage and Protection Ltd. Options are available for individual applicants, portfolio landlords, and limited company structures, subject to lender criteria and eligibility.

Support is available for both new and experienced investors who are considering refinancing, remortgaging, restructuring an existing portfolio, or purchasing additional properties. Each case is assessed based on income, rental calculations, lender stress testing requirements, and overall affordability.

If you are planning for long-term rental income or aiming to improve yield, it is important to understand how lenders assess applications. This may include reviewing tax treatment, ownership structure, background portfolio performance, and property type.

Advisers can also provide guidance on more complex cases, including HMOs, multi-unit freeholds, holiday lets, and other specialist property types. All mortgage recommendations are subject to suitability, affordability, and lender approval.

Buy-to-let mortgages are not regulated by the Financial Conduct Authority unless the property is let to an immediate family member.

Protection

Property investment is not only about arranging finance. It is also about protecting your income, assets and long term financial stability. Before committing to a mortgage or expanding a portfolio, it is important to understand the potential risks and how they could affect you and your family.

Protection policies can help provide financial support if your circumstances change. Depending on your needs and eligibility, options may include:

  • Life insurance, which can help repay a mortgage or support dependents if you pass away
  • Income protection, which may provide a regular income if you are unable to work due to illness or injury
  • Critical illness cover, which can pay a lump sum if you are diagnosed with a specified serious condition
  • Landlord and rental protection products, which may help cover rental income loss or property-related risks

Connect Experts protection advisers provide clear information about these options so you can make informed decisions based on your individual circumstances. They will explain the features, benefits, limitations and costs of each policy, helping you consider what level of cover may be appropriate.

Protection policies are not compulsory unless required by a lender, and eligibility will depend on factors such as age, health and occupation. Careful review of your options can help you manage the financial risks associated with property ownership and borrowing, while ensuring any decision aligns with your broader financial plans.

Couple sitting together holding a small model house in their hands while reviewing paperwork, symbolising buying a home or securing a mortgage. Advocate Mortgage & Protection Ltd

Understanding your Situation

Every client’s circumstances are different. That is why Advocate Mortgage and Protection Ltd provides advice based on a full assessment of your individual needs and financial position. We take time to understand your objectives, income, existing commitments, property plans and any potential challenges before making a recommendation.

Whether you have complex income, a growing property portfolio, a limited deposit, previous credit issues or a strict completion deadline, we will review the available options across the relevant market. Any recommendation will be based on suitability and affordability, in line with current lending criteria and regulatory requirements.

We aim to provide clear explanations and transparent information so you can make an informed decision. Our role is to outline the benefits, risks and costs of each option, helping you choose a mortgage or protection product that aligns with your circumstances and long-term plans.

Click here

Try our Calculators

Mortgages can be confusing, which is why our calculators are designed to be simple to use and give you a brief overview of what you may be able to afford. All results are subject to full affordability checks, and only a qualified mortgage adviser can provide you with a personalised quote.

Mortgage affordability calculator

Rough estimate based on income, commitments and a test interest rate

If left blank, a default rate of 6% will be used.

If left blank, a default term of 30 years will be used.

Add incomes and your monthly commitments to see an estimated maximum mortgage.

This calculator gives a rough guide only. Actual amounts vary by lender and will depend on your full circumstances, credit history, credit commitments, property type and the lender’s affordability assessment.

Last updated: 25 November 2025

Stamp Duty Calculator

For residential properties in England & Northern Ireland (SDLT rules from April 2025)

Buyer type

Enter a price and choose buyer type to see your estimated Stamp Duty.

This calculator gives an estimate only and is based on current SDLT rates for residential property in England & Northern Ireland. It does not cover all special cases (companies, multiple dwellings relief, non-UK residents, mixed-use purchases, etc.).

Last updated: 24 November 2025

Quick affordability estimate

Simple income multiple estimate (guide only)

Enter income details to see a simple income-multiple estimate.

This is a very simple guide using an income multiple only. Lenders use full affordability assessments and may offer more or less than this estimate.

Small model house placed on a table next to a set of keys with a house shaped keyring, representing buying a home, property ownership and mortgage completion. Advocate Mortgage & Protection Ltd

Ready to make your next move?

If you’re preparing to buy, refinance or invest, Advocate Mortgage & Protection Ltd is here to help you take the next step with confidence. Our advisers are ready to guide you through your options, compare lenders and secure the most competitive solution for your plans.

Whether your next move involves a new home, an investment property or ensuring financial security for your family, we’re here to support you every step of the way.

Contact Form

Frequently Asked Questions

What does Advocate Mortgages do?

Advocate Mortgage & Protection Ltd provides specialist mortgage and property finance advice for residential, commercial and buy-to-let clients. They help secure competitive lending options, recommend suitable solutions and support your long-term financial goals.

The name reflects their purpose: standing up for your interests, guiding you through complex choices and securing the best outcome on your behalf. They act as your voice in the mortgage and finance market.

Yes. They assist with complex or unusual cases, including self-employed income, credit issues, portfolio lending, HMOs, limited company buy-to-let and commercial finance.

Absolutely. They provide clear advice, explain the process and help first-time buyers understand what is affordable and achievable.

Yes. They source commercial mortgages for investors, developers and business owners across a wide range of property types including offices, warehouses, retail units, mixed-use buildings and specialist premises.

Yes. They support both new and experienced landlords with buy-to-let mortgages, remortgages, HMOs, holiday lets, multi-unit properties and limited company structures.

Yes. They provide life insurance, critical illness cover, income protection and family protection.

Most lenders require proof of income, bank statements, identification, credit history and property details. Additional documents may be required based on your circumstances.

Timelines vary, but many applications progress from submission to offer within a few weeks. They liaise with lenders to keep everything moving smoothly.

Simply get in touch for an initial discussion. They will learn about your goals, explain your options and guide you through the first steps.

FOOTER NOTE 2025