Competitive rates and flexible mortgage solutions to help you secure your dream home or expand your property portfolio.
Discover the advantages of securing your property with Integra Finance
Our mortgage products offer some of the most competitive rates in the market, helping you save thousands over the life of your loan
Whether you're a first-time buyer, moving home, or looking to refinance, we offer customized mortgage options to match your specific needs
Our efficient approval process means less waiting and faster property transactions, with decisions often provided within 72 hours
A straightforward journey to your new home or property investment
Speak with our mortgage specialists to discuss your needs, explore suitable options, and get personalized advice for your property goals.
Complete your mortgage application online or with the help of our team, providing the necessary documentation for your property financing.
We'll arrange a professional valuation of the property to determine its current market value as part of the mortgage approval process.
Once approved, we'll work with you and your legal representatives to complete the transaction and finalize your mortgage financing.
Explore our range of mortgage options tailored to different needs
Specialized mortgage options for those purchasing their first home, with competitive rates and lower deposit requirements
Tailored solutions for those selling their current property and purchasing a new home, with options to transfer or restructure existing mortgages
Switch your existing mortgage to us for better rates, more flexibility, or to release equity from your property
Specialized mortgages for property investors looking to purchase residential properties for rental income
Lock in your interest rate for 2-10 years, providing payment security and protection from interest rate fluctuations
Flexible mortgage options with rates that may change over time, often offering lower initial rates and greater flexibility
Transparent terms and competitive rates for your property purchase
| Loan Feature | Details |
|---|---|
| Loan Amount | £50,000 - £1,000,000 |
| Interest Rate | From 2.9% APR (Representative example) |
| Loan Term | 5 - 30 years |
| Deposit Requirement | From 5% for first-time buyers, 10-25% for standard mortgages |
| Decision Time | Within 72 hours |
| Fees | Arrangement fee from £999, valuation fee varies by property value |
*Representative Example: £250,000 mortgage at 2.9% APR over 25 years with monthly repayments of £1,174
Apply NowRequirements to qualify for a mortgage with Integra Finance
Applicants must be at least 18 years old, with no upper age limit at application (subject to loan term). UK residency or right to reside is required.
Stable income with minimum 6 months in current employment or 2 years of self-employment records. We typically lend up to 4.5x your annual income.
Good credit history preferred, though we have options for those with less-than-perfect credit. We consider your overall financial situation, not just your credit score.
Special programs and assistance for those purchasing their first home
Access mortgages with as little as 5% deposit, making it easier to take your first step on the property ladder.
Guidance on utilizing government initiatives like Help to Buy, Shared Ownership, and First Homes schemes.
Specialized mortgage advisors who understand the unique challenges and opportunities for first-time buyers.
Access to comprehensive guides, calculators, and workshops specifically designed to help first-time buyers navigate the property purchase process.
Real experiences from our satisfied mortgage customers
First-Time Buyers
"As first-time buyers, we were overwhelmed by the mortgage process. Integra Finance guided us step by step, secured us an excellent rate, and made the whole experience far less stressful. We couldn't be happier in our new home!"
Buy-to-Let Investor
"I've been building my buy-to-let portfolio for years, and Integra Finance offers the best rates I've found. Their expertise in the investment property market is unmatched, and their process is efficient and straightforward. Highly recommended!"
Remortgage Customer
"When my fixed-rate term ended, I wanted to find a better deal. Integra Finance helped me remortgage and save over £200 a month. The process was quick and painless, and their team kept me informed at every stage. I've already recommended them to friends!"
Check your rate in minutes with no impact on your credit score.
Get answers to common questions about mortgage loans
For residential mortgages, a minimum deposit of 5-10% is typically required, though 15-25% will secure better rates. Buy-to-let mortgages usually require a minimum of 25%. First-time buyer schemes may offer options with lower deposit requirements.
Yes, we offer specialized mortgage solutions for those with less-than-perfect credit histories. While the rates may be slightly higher, we consider various factors beyond just credit score, including income stability, deposit size, and recent financial behavior.
Fixed rate mortgages maintain the same interest rate for a set period (typically 2-10 years), providing payment certainty. Variable rate mortgages have interest rates that can change, often in line with the Bank of England base rate, which may result in lower initial rates but less payment security.
Our initial decision is typically provided within 72 hours of receiving a complete application. The entire process from application to completion usually takes 4-6 weeks, depending on property survey requirements and legal processes.
Yes, most of our mortgages allow for overpayments of up to 10% of the outstanding balance each year without penalty. Early repayment charges may apply during fixed or discount periods, but these are clearly outlined in your mortgage offer.
