Mortgages, Simplified.
Hi, I’m Nick Gatti. I’ve been helping people get the right mortgage for over 14 years, keeping it simple and stress-free. Whether you’re buying your first home, moving up, or remortgaging, I make the process easy to understand - no jargon, no waffle.
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You’re about to leave the NG Mortgages website and head over to WhatsApp.
We’re not responsible for the content or privacy practices of external websites or apps.But don’t worry - we’ll only use your details to respond to your enquiry. If you’d prefer, you can always contact us through our website form instead.
Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
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Don’t just take our word for it…
Real clients. Real results. No mortgage mumbo jumbo.
The Mortgage Questions You Were Going to Google Anyway!
Got questions about mortgages? You’re not alone. From first time buyers to remortgage clients across the UK, these are the ones we get asked most. Straight answers. Human language. No jargon.
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It depends on your income, outgoings and credit history. Most lenders offer around four to four and a half times your annual salary, sometimes more, sometimes less. We’ll help work out what’s realistic and which lender fits your situation best.
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Most mortgages need a five percent deposit, but there are options with smaller deposits and sometimes even no deposit at all. We’ll show you what’s out there and help you figure out the right option for your move.
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Yes. Lenders usually want two years of accounts or tax returns, but some will consider less. We’ll explain exactly what paperwork you need and find the right mortgage to fit your business income.
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Think about things like property valuation fees, solicitor costs and sometimes arrangement fees. We’ll set it all out clearly at the start so you know exactly what to budget for.
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On average, it takes between two and six weeks from application to mortgage offer, depending on the lender and your case. We’ll keep you updated so you always know what stage you’re at.
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Yes. Remortgaging can save you money or release equity, but there may be early repayment charges to watch out for. We’ll review your current deal and let you know if switching makes sense for you.
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No, it’s not a legal requirement. But it is a smart way to protect your home and family if something unexpected happens. We include a protection review with every mortgage so you can get cover that fits your life.
Skip the Googling. Ask us instead.
Whether you’re a first time buyer, looking to remortgage, or just figuring out your options, we’ll give you straight answers in human language. No jargon. No pressure. Just clear advice that makes sense.
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You’re about to leave the NG Mortgages website and head over to WhatsApp.
We’re not responsible for the content or privacy practices of external websites or apps.But don’t worry - we’ll only use your details to respond to your enquiry. If you’d prefer, you can always contact us through our website form instead.