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MORTGAGES & MORTGAGE PROTECTION

From home loans to protection cover, we guide you to mortgage solutions that align with your life, not just your numbers.

Buying a home is one of the biggest financial decisions you’ll ever make, so it deserves more than a quick comparison of rates. At McCarthy Wealth Management, we look at the bigger picture, ensuring your mortgage complements your wider financial goals and gives you long-term flexibility and security.


Whether you’re purchasing your first home, remortgaging, or investing in property, we’ll help you find a solution that fits your lifestyle, budget, and future plans. We guide you through the full process, from understanding affordability to selecting the most suitable lender and navigating the paperwork.


But our service doesn’t stop at completion. We also help you protect what matters most, you, your partner, and your home, with tailored protection plans that ensure financial stability if life takes an unexpected turn. With McCarthy Wealth Management, your mortgage isn’t just a loan; it’s a key part of your long-term financial wellbeing.

WHAT YOU'LL GET

Two houses with a percentage sign above them.

MORTGAGE SOURCING & COMPARISON

(Residential, remortgage, buy-to-let)

A web browser window with a chart and a wallet icon, suggesting financial data tracking.

AFFORDABILITY & DEBT STRESS TESTING

An icon of a document with an umbrella, a shield, and a graph, likely representing insurance or protection.

(life, critical illness, income protection)

Graph showing a percentage decreasing.

PERIODIC REVIEWS AS INTEREST, RATES OR YOUR LIFE CHANGES

WHO'S IT FOR

  • First-time buyers unsure where to start
  • Homeowners seeking remortgage or better deals
  • Investors (buy-to-let) needing borrowing strategy
  • Anyone wanting protection tied to their mortgage

FAQ'S

Frequently asked questions about Mortgages & Mortgage Protection...

  • 1. Do you lend or broker?

    We act as a whole-of-market broker (via regulated network) we do not lend ourselves. Our aim is to find the right lender for you.

  • 2. How much can I borrow?

    Based on income, credit, deposit, and other factors. We run stress tests (interest up 2–3%) to ensure you’re safe.

  • 3. Do I need life insurance with a mortgage?

    It’s not mandatory, but if something happens, you want your home and loved ones protected. We’ll match cover to mortgage and income.

  • 4. Is critical illness cover worthwhile?

    It depends on your situation (e.g. family, dependents, debt). We run “what-if” simulations, so you see the potential cost vs benefit.

  • 5. Can you help if I’m self-employed or have irregular income?

    Yes,  it's more complex, but possible. We know which lenders accept variable income and how to make your case strong.

“Good advice isn’t a one-off conversation - it’s an ongoing relationship.”