From first home to forever home, and mortgage advice for employees, our independent advisers can make it happen

Financial considerations for buying a home together
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First home? Forever home? Place in the country or city pad? Finding the right place, whether it’s the first, 5th or final time is exciting and we’d love to share the moment with you. Your home is also likely to be your biggest financial asset (aside from your salary), so taking out the appropriate insurances is a must. After all, your home / property may be repossessed if you do not keep up the repayments on your mortgage.

Like us, you’ll know there are a huge number of mortgages available and so many different deals. It takes a lot of effort to confidently choose one over another, knowing you’ve got the best one for your circumstances – now and in the future. You also need to consider how long you need a mortgage for and how it fit within your wider financial plans. That’s where our mortgage advisers come in. They’ll do the legwork so you can put your feet up.

There’s no reason to pay more interest than is necessary on a mortgage. Our advisers can help you make informed decisions about the best mortgage type and duration for you, and signpost housing market trends and wider factors in the economy which might also affect your household.

They can advise you on when it’s the right time to switch mortgages and how changing could save you money or help you to borrow extra funds.

Your mortgage adviser will cover all of this when they talk with you about the best mortgage, insurance and appropriate financial protection for your circumstances.

Specialist advice areas


When you remortgage, you can either do so with your existing lender, or you can change to a new lender.

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Later Life Mortgages

There are two types of Later life mortgages, which are also known as equity release:

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Holiday Let Mortgages

Holiday Let Mortgages are suitable for investors looking to take advantage of the UK's holiday hotspots and earn an…

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Help to Buy

The government-backed Help to Buy scheme supports first time buyers, by providing an equity loan of up to 20% of the…

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First-time buyers

Buying your first home is an exciting, but possibly daunting process. You'll have started trawling the properties in…

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mortgage advisers


A mortgage is a loan you take out in order to buy a property. There are thousands of mortgage products available, but…

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Buy to Let

Buy to Let (BTL) mortgages suit people who want to invest in a property to rent out. Unlike standard mortgages, lenders…

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Equity Release

Speaking to a professional financial adviser can unlock your route to early retirement. Together, you can visualise…

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Self-employed mortgages

The freedom that comes from working for yourself can be liberating and rewarding. But when it comes to finding a…

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Get in touch

For help and advice on mortgages and home insurance, please call us on…

or fill out our form and we’ll get back to you.

Contact us

Speak to an expert

Where and how we meet depends on whatever’s most convenient for you, but we have a number of locations around the UK if you’d prefer to come to us.

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Other services we offer

Our team is built around a diverse group of truly independent financial advisers, leveraging decades of knowledge and experience across all areas of planning and advice.

It’s beyond financial advice,
this is Life Landscaping®.

Amber River is a new way of thinking about and creating the life you’ve always dreamed of.



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Small, but important print

Registration Number 11942058
Registered in England and Wales

Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

You’ll find details of the regulated status of our firms, including FCA numbers and links to the Financial Services Register on each of the location pages in the ‘Find an adviser’ section.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulatory regime and therefore targeted primarily at UK-based consumers.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Find full details of the FOS at www.financial-ombudsman.org.uk

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