A home is one of the biggest purchases you will ever make, so it’s important to make sure you make the right decisions when choosing a mortgage. We will look at your personal circumstances and make a recommendation tailored to you.

First time Buyer

As a first time buyer the entire house purchase process can seem very daunting and choosing the right mortgage can become confusing. We can guide you through the entire mortgage process. From giving you tips to become mortgage ready, through to completing the application and dealing with the lenders. We want to make your mortgage journey as easy and smooth as possible. We will always recommend the most suitable mortgage for your circumstances, Read More.

Home Mover

There are many reasons you may want to move home, upsizing, downsizing, relocating or something else. You may want to know how much you can borrow before you start looking, or you may have found your forever home and want to explore your mortgage options. We can give you the best chance of being accepted by the lender and take the stress out of your mortgage search, leaving you to decide on the décor.


If you are coming to the end of your current deal, or already on the lenders standard variable rate then it can be a good idea to see if there are better deals with other lenders before limiting yourself to sticking with what you know. Alternatively, you may be looking to make some changes to your financial situation. For example: reducing your mortgage term, borrowing more for a renovation project or simply to redeem a help to buy equity loan

Self-employed, contractors and freelancers can find it more difficult to get a mortgage, this is because of the way lenders assess your income. We can help you understand how your income will be assessed and make sure the lenders criteria fit your circumstances. Read More.
Low Credit

Poor credit history or a low credit score does not mean you cannot get a mortgage. There are specialist lenders available that may be able to help depending on your situation. We will look at your circumstance to see if a mortgage is affordable and sustainable, and we can check with the lenders to see if you fit their criteria.

Buy to Let

Whether you are a first time landlord or have an extensive property portfolio, and whether you are looking to purchase or remortgage we can help you find the right buy to let mortgage for you. We have access to exclusive deals not available on the high street. Some buy to let mortgages are not regulated by the FCA.


A happy couple in their first home together
First Time Buyers

self employed includes construction and contractors
Mortgages for the Self-Employed

Help to Buy Remortgage

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More Articles

Lupo Mortgage Services is based in Wolverhampton, but we operate throughout the whole of England and Wales.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.

Lupo Mortgage Services is an appointed representative of Julian Harris Mortgages Ltd which is authorised and regulated by the Financial Conduct Authority, No. 304155. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at