Residential Mortgages

Buying a home is one of the biggest financial decisions you’ll ever make - and the right support can make all the difference. At CP Mortgage Solutions, we combine independent advice with access to over 180 lenders, helping you find a residential mortgage that truly fits your goals, budget, and long-term plans.

Personal, Independent Advice for Your Home Purchase

As you embark on your home-buying journey, you deserve a mortgage partner who treats your plans with genuine care. We take the time to understand your full financial picture - including your deposit, income, future plans, and affordability - before searching across our full panel of lenders to find a deal that’s right for you.


Because we’re independent, we’re not tied to any single bank or building society. This means you benefit from a broader choice of mortgage options, competitive interest rates, and often exclusive products you won’t see by going directly to a lender.

Clear Guidance From Start to Finish

Mortgages can feel overwhelming, especially if it’s your first time buying. We’re here to make the process simple, transparent, and stress-free.


We’ll walk you through:

  • How repayments work
  • What happens if your circumstances change
  • How different mortgage types compare
  • What fees and costs to expect
  • How to avoid common pitfalls


From submitting your application to liaising with lenders, solicitors, and surveyors, we handle the communication and paperwork so you can focus on planning your move - while we take care of the details with accuracy and care.

Residential Mortgage FAQs

  • 1. What deposit do I need for a residential mortgage?

    Most lenders require a minimum deposit of 5–10%, but a larger deposit can unlock better interest rates. We’ll help you explore options based on your budget.

  • 2. How much can I borrow?

    This depends on your income, outgoings, credit history, and overall affordability. We assess your situation and give you an accurate idea before you start house-hunting.

  • 3. What documents will I need for my application?

    Typically: proof of ID, bank statements, payslips, tax documentation (if self-employed), and details of your deposit. We’ll guide you through everything needed.

  • 4. How long does the mortgage process take?

    Most residential mortgage applications take 2–6 weeks from submission to offer, depending on the lender. We manage the process to keep things moving smoothly.

  • 5. Can you help if I’m a first-time buyer?

    Absolutely. We regularly support first-time buyers with clear guidance, help securing an Agreement in Principle, and advice on government schemes where suitable.