Independent mortgage advice for buying, moving or remortgaging in Wokingham. Compare options from over 90 lenders on our panel by phone or video. Your first chat is free.

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If you are comparing a full purchase with shared ownership in Wokingham, the mortgage payment is only part of the calculation. Shared ownership also involves rent on the share you do not own and usually service charges. We look at those payments together with your income, regular commitments and buying costs so you can compare the routes on a realistic budget.
Moving from an existing home brings different questions: how much equity will the sale release, can your mortgage deal be ported, and what happens if the chain changes the dates? We review those points before you rely on a borrowing figure. Whether you are considering Wokingham, Winnersh or Finchampstead, our service is remote, with advice by phone or video and help throughout the mortgage application.




Advice starts with the decision you need to make, whether that is choosing a first-home budget, funding a move or reviewing a rental mortgage.
We explain how your income, deposit and regular spending affect mortgage options. If you are considering shared ownership, we help you understand the combined monthly payments before deciding which share you can afford.
We review your sale equity, current deal and extra borrowing needs. Porting checks and the possibility of a gap between sale and purchase are part of the discussion, particularly when several transactions depend on the same chain.
If your earnings vary or include more than one source, we establish what the lender can assess and what evidence it needs. This helps set a borrowing budget before you commit to a property.
For a purchase or refinance, we review rental assessment, property details, fees and other mortgages you hold. The aim is to explain the lending options and their costs without assuming future rent or property values will rise.
MBNM offers independent advice with access to over 90 lenders on our panel. We compare suitable options and explain the cost, criteria and trade-offs behind the recommendation. We support the application and lender queries remotely, and can discuss protection or refer you to property support partners where needed. Your first chat is free. Any broker fee for later work is explained upfront before you proceed.

As an independent broker, MBNM has access to mortgage options from over 90 lenders, giving clients access to deals they won’t find by walking into a single bank.
We regularly handle applications involving self-employed income, remortgaging, buy-to-let properties, and time-sensitive purchases, situations where bank-only advice often falls short.
From your first conversation through to mortgage offer, we handle paperwork, lender queries, and follow-ups, keeping things moving and keeping you informed.
MBNM is FCA regulated and focused on clear, jargon-free advice. No sales pressure, no hidden agendas, just guidance that makes sense for your goals.
We first review income, deposit or sale equity, spending and your purchase plans. Where relevant, include shared ownership rent and service charges or the details of your current mortgage. We explain suitable options and fees before you decide. If you proceed, we prepare the application, liaise with the lender and track the offer, raising any changes in the property or completion plans that need checking.
We start with a straightforward conversation to understand your situation, goals, and timeframe. This helps us assess affordability, lender criteria, and the most suitable mortgage options from the outset.
We compare mortgages across the whole market, reviewing rates, terms, and lender requirements to find an option that fits your circumstances, not just what’s easiest to place.
Once you’re happy, we manage the full application process. That includes paperwork, lender questions, and follow-ups, keeping things progressing without unnecessary delays.
When your mortgage offer is issued, we guide you through the final steps and coordinate with solicitors or agents as needed, right through to completion.
If you have a question, please do not hesitate to reach out!
Include the mortgage on your share, rent on the remaining share and the service charges stated by the provider. You also need the deposit, legal and purchase costs, household bills and a budget for any costs you remain responsible for under the lease. Ask for the figures and review terms before applying. We assess the combined commitments, rather than treating a lower mortgage payment as the full monthly cost.
It is normally calculated against the share you buy, subject to lender requirements. For illustration, a 25% share of a £400,000 property costs £100,000. A 10% deposit on that share would be £10,000 and the mortgage would be £90,000. This does not include rent, service charges or buying costs, and it is not an offer of lending. We check the actual share and available mortgage options.
You may be able to transfer a portable mortgage deal, but the lender still needs to accept the new application and property. Any additional borrowing may be on a separate rate. We compare the combined payments and fees with a new mortgage and check for early repayment charges. Your current offer documents are a useful starting point, alongside your income and the proposed purchase price.
A gap can affect porting, early repayment charges and the validity of an offer. Some lenders allow a delayed purchase under specific conditions, but the rules and deadlines vary. Tell us about the proposed dates and any changes as soon as you know them. We check the mortgage consequences with the lender; your solicitor manages the legal steps and agrees completion arrangements with the other parties.
Yes. We review the evidence for your earnings before identifying lenders whose criteria may fit. Depending on how you trade, useful documents may include accounts, tax calculations and tax year overviews, business and personal bank statements or current contracts. Requirements vary by lender. Tell us about recent changes in income, trading history or contract arrangements so the recommendation reflects your current position.
Advice is available by phone or video, so you can discuss a Wokingham property without visiting an office. Your first conversation is free and gives us a chance to understand your plans and explain the next steps. If a broker fee applies later, we explain it upfront before you proceed. Mortgage product fees, legal costs and other buying expenses are separate and also need to be included in your budget.
Bring your income and deposit figures, or the details of your current mortgage and proposed move. If shared ownership is an option, include the rent and service charges. Start with a free chat.