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Whether you are buying your first home, moving up the ladder, building a property portfolio, or looking to release equity you have spent years accumulating, one thing is constant: the UK mortgage market is vast, complicated, and changes faster than most people can follow. At Square Gain Capital, we do the heavy lifting. We search across more than 50 lenders, including banks, building societies, and specialist providers you cannot access directly, and we give you straightforward advice with no hidden fees and no jargon.
We are based in Crayford, serving clients across London and the South East.
The mortgage market in July 2026 is a market in transition. The Bank of England base rate is held at 3.75%, and the
average 2-year fixed rate sits at approximately 5.51% across the market. That figure hides an enormous range. The
deal you qualify for depends on your deposit size, income type, credit history, property type, and the lender’s
individual appetite on any given day. That is precisely where searching across 50+ lenders earns its value
We advise on every major mortgage type available in the UK residential and investment market. Each service below has its own dedicated page with detailed guidance, process walkthroughs, and real client scenarios.
Buying your first home in London is one of the biggest financial decisions you will make. We guide first-time buyers through every step, from understanding how much you can borrow to navigating stamp duty relief and selecting the right lender for your circumstances.
Moving to a bigger home or a different area brings its own mortgage complexities. We handle porting, new applications, and chain-break bridging finance when timings do not align perfectly.
If your fixed rate is ending, you are sitting on significant equity, or you simply want a better deal, remortgaging could save you thousands. We search 50 plus lenders, not just your current lender’s retention products.
An increasing number of landlords are purchasing new properties through a Special Purpose Vehicle limited company to manage Section 24 tax restrictions. We work with specialist lenders who understand SPV structures and complex company ownership.
If you own four or more mortgaged buy-to-let properties, you fall under the PRA portfolio landlord definition. We work with lenders who have the appetite and tools to handle complex background portfolio reviews.
A second charge mortgage is secured against the equity in your home, sitting behind your existing first charge mortgage. It is a way to raise capital without disturbing your current mortgage deal — particularly useful if you are on a favourable rate you do not want to break. We advise on regulated second charge products from specialist lenders and can compare them against remortgaging and unsecured alternatives.
Short-term property finance for auction purchases, chain breaks, refurbishment projects, or any situation where a standard mortgage timeline would cause you to miss an opportunity. We source regulated and unregulated bridging from specialist lenders.
Lenders assess self-employed income differently, and many mainstream banks apply criteria that do not reflect how
modern self-employment works. We know which lenders accept one year of accounts, day-rate contractor income,
and complex income structures.
New build properties bring unique challenges including valuation risk, developer incentive thresholds, and compressed offer validity periods. We work with lenders who offer extended mortgage offers and understand how to handle developer cashback and part-exchange incentives.
Going direct to one bank limits you to that bank’s products and criteria. If your income is straightforward, your deposit is large, and your property is standard, your bank’s best rate may well be competitive. But most people’s situations have at least one complicating factor: a gap in employment, a period of self-employment, imperfect credit, a non-standard property, or a landlord scenario involving complex ownership. We see 50 plus lenders every day and know where to place every type of application. That knowledge saves clients money, time, and rejected applications.
We charge a broker fee for arranging your mortgage. Our fee will always be explained clearly before you commit to anything. We also receive a procuration fee from the lender upon completion.
Step one is a free, no-obligation consultation by phone, video call, or in person at our Crayford office. We gather information about your income, outgoings, existing debts, and property plans, and give you an honest picture of what is achievable.
Step two is research and recommendation. We search across our panel of more than 50 lenders, including those accessible only through brokers, and present you with a written recommendation explaining the product, the rate, the total cost over the initial period, and the reasoning behind our choice.
Step three is application management. We handle the submission, liaise with the lender on your behalf, chase outstanding documents, and keep you updated at every stage.
Step four is completion. We coordinate with your solicitor, estate agent, and the seller's side to keep the transaction on track through to mortgage offer and the keys in your hand.
Run the numbers, then talk to us. Our financial calculators cover mortgage repayments, how much you could borrow, stamp duty, bridging finance and rental yield. Results are estimates only and should not be relied on as financial advice.
There is rarely a single mortgage that fits everyone. Here are some of the situations our advisers help clients work through every week.
Residential, buy-to-let, limited company, self-employed. The category you fall into shapes which lenders will consider you and on what terms. We help you identify the right product type before you waste time applying to the wrong lenders.
High street banks assess applications against their own narrow criteria. A broker with access to over 50 lenders, including specialist ones that do not accept direct applications, often finds what a bank cannot.
Speak to an adviser to discuss your circumstances and find out how we can help.
Clear,honest answers to the questions we hear most from clients and introducers.
Most lenders use between 4 and 4.5 times gross annual income. Some specialist lenders go to 5 or 5.5 times for
certain professions or lower loan-to-value ratios. The figure is also subject to an affordability stress test that looks at your monthly outgoings, existing credit commitments, and any dependants.
Most straightforward residential cases take between 2 and 6 weeks from application submission to mortgage offer.
Complex cases involving non-standard properties or manual underwriting can take 8 to 12 weeks. We always give
you a realistic timeline at the outset.
No. We do not charge a broker fee. We are paid by the lender when your mortgage completes. You will never
receive a bill from us
Yes, in many cases. The answer depends on the nature and recency of the adverse credit. A missed payment from
three years ago is treated very differently from a CCJ registered last year. We have access to specialist adverse credit lenders and know which lenders will decline at the automated stage but potentially approve at manual underwriting.
It means we search across banks, building societies, challenger banks, and specialist lenders, many of whom reserve their most competitive products exclusively for broker-submitted applications. You cannot access these rates by going direct. Searching 50+ lenders gives you access to the full breadth of deals available, not just whatever your current bank has on its shelf.
Nobody can answer this definitively. In July 2026, rates have been falling for around 18 months following the 2023
peak, and the base rate at 3.75% is considerably lower than its 5.25% ceiling. Whether they fall further depends on inflation data, wage growth, and global economic conditions that are inherently unpredictable. The right question is whether the deal available now works for your specific situation.
We search the market and handle the process so you can focus on moving.
Whole of market search across a wide panel of lenders
Dedicated adviser throughout the process
We handle the paperwork and liaise with lenders on your behalf
Share a few details and a member of our team will get in touch to discuss your options.
We’ll get in touch to discuss your circumstances, what you’re looking to achieve and any relevant requirements.
Based on your enquiry, we’ll explain the available options and how you can move forward.
Your enquiry will be handled confidentially, and we’ll only contact you regarding the information you’ve provided.
