26 Lowther Street, Carlisle, CA3 8DA

Mortgage Advice Services

At Stan Sherlock Associates, our expert team of mortgage advisers, based in Carlisle, can access a range of mortgages from over 50 of the UK’s best-known lenders, including Santander, Halifax, Nationwide and Virgin Money. Our mortgage brokerage service can access some exclusive deals that you won’t find on the high street.

Mortgage Advice Service

Our mortgage advice service will help you achieve your home buying dreams, whether you are buying your first homeremortgaging, moving to a new house or buying an investment property.

Our knowledgeable advisers and brokers, together with our dedicated support team, will work with you to understand your personal goals and home buying needs. We will discuss your current finances and repayment options to assess the best mortgage solutions for you.

We can advise you about the different types of mortgages and help you decide what best suits your circumstances. This might be a fixed rate mortgage, variable rate mortgage, a tracker mortgage or offset mortgage or perhaps another mortgage advice solution entirely.

Our mortgage advisers are always keeping up to date with changes across the market and will use this knowledge when researching our panel of lenders to discuss your options, and recommend the most appropriate deal for you based on interest rates, loan periods, repayment methods and interest payment.


Our mortgage advice services are ideal for:

First Time Buyers

If you’re buying your first home, mortgage advice can seem complicated and overwhelming.

Our expert advisers will help you understand the process and support you to achieve your dream of owning your first property.

We can access deals and incentives, which may include cashback on your mortgage, reduced mortgage interest rates or lower levels of deposit against your property value.

remortgage is where you take out a new mortgage on a property you already own, either to replace your existing mortgage, or to borrow more money against your property. You can remortgage without moving to a new house and there are various reasons and benefits for considering a better mortgage deal.

Remortgaging may not be right for everyone and getting good advice is essential.

If you run your own business or are self-employed as a sole trader or limited company director, our mortgage advisers and mortgage brokerage service can understand your accounts and earnings and help you present them to potential lenders to find the right mortgage solution for you.

Once we’ve achieved the mortgage you need, we can help you to secure your home and finances for the future, with buildings and contents insurance, mortgage income protection and life insurance policies. 

For Sale sign in Kirby

Frequently Asked Questions

The UK has one of the most developed financial sectors in the world, with the mortgage sector particularly liquid. Most lenders will offer a mortgage of up to 4.5 times the salary of an individual or a combined joint application, subject to status. In certain circumstances, some mortgage lenders will offer more than 4.5 times their income, which may involve an additional degree of security. In light of the 2008 financial crisis, the UK government introduced an affordability test for all mortgage applications. This was recently lifted, giving mortgage lenders greater flexibility.

Why work with us?

At Stan Sherlock Associates, we aim to build long term relationships with our clients and provide you with an advice service throughout your lifetime to ensure you always have the right life insurance and income protection cover for your personal needs and situation. 

Although based in Carlisle, our clients come from much further afield. We regularly work with clients from across Cumbria (including Kendal, Keswick, Penrith, Whitehaven and everywhere in between), the Scottish Borders, and North East England. Many of our advice services can be provided by phone and email but our advisers are always happy to meet you face to face.