12 June 2026
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Read more →Mortgage & protection advice
Clear, independent mortgage advice.
Whether you're buying your first home, moving, remortgaging or building a portfolio, IM Mortgage Consultancy helps you find the right way forward — without the jargon.
What we do
Advice for every stage of home ownership
First-time buyers
Buying your first home is a big step. We explain every stage in plain English and find a mortgage that fits your budget and plans.
Learn more →Moving home
Whether you're upsizing, downsizing or relocating, we make sure your mortgage moves with you smoothly and on the best available terms.
Learn more →Remortgaging
Coming to the end of a fixed rate? We review the whole market to see whether switching could lower your payments or free up funds.
Learn more →Buy-to-let
From your first rental to a growing portfolio, we advise on buy-to-let lending, including limited company and portfolio structures.
Learn more →Protection & insurance
A mortgage is a long-term commitment. We help you protect it with cover that suits your circumstances, not a one-size-fits-all policy.
Learn more →How it works
A clear path from first chat to completion
We follow a structured, six-phase process so you always know what's happening and what's next — with us handling the heavy lifting at every stage.
- 01
Getting started
- 02
Research & assessment
- 03
Our recommendation
- 04
Application stage
- 05
Offer & completion
- 06
Ongoing support
Independent & whole-of-market
We're not tied to any one lender. Our advice is based on what's right for you, drawn from a wide panel of mortgage providers.
FCA authorised
IM Mortgage Consultancy Limited is authorised and regulated by the Financial Conduct Authority (No. 300541), so you're in safe hands.
One adviser, start to finish
You won't be passed from pillar to post. You deal with Ian directly, from your initial enquiry right through to completion — someone who knows your case inside out.
From the blog
All posts →Guidance & market updates
First-time buyers·11 June 2026
How much deposit do you really need to buy your first home?
Wondering how much you need to save for your first home? Here's a plain-English look at deposits, what they mean for your rate, and the help available.
Read more →
Remortgaging·9 June 2026
Your fixed rate is ending — what should you do next?
When your fixed-rate deal ends you could roll onto a much higher rate. Here's why it pays to review your options early — and what your choices are.
Read more →Ready to talk it through?
Book a no-obligation chat. We'll listen to your plans and explain the options open to you — in plain English.