Straight-talking
mortgage advice.
Buying, moving or remortgaging in Berkshire or Oxfordshire? Work directly with Ves for personal mortgage and protection advice. We specialise in self-employed borrowers, company directors, high earners and complex cases. We’ll assess your income, identify suitable lenders and handle the application.
Mortgage affordability calculator
£65,000
£40,000
£50,000
Based on 6x income
£630,000
Loan to Value (LTV): 93%
£680,000
Stamp Duty: £24,000 (Standard Rates)
£2,771 / month
This is an illustrative estimate of potential maximum borrowing capacity only and not mortgage advice or a mortgage offer. Actual borrowing capacity will depend on your full circumstances, including income, expenditure, credit history, deposit, and lender criteria.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
A starting point that works for you.
You might be ready to make an offer, approaching the end of your mortgage deal or unsure what your income allows you to borrow. Use the calculator to explore the numbers, or contact us directly to discuss your circumstances.
Explore your budget
Use the calculator for an initial borrowing estimate. It's a useful starting point, but your income and circumstances may need a closer assessment.
Go to the calculator →Tell us what you're planning
Share your calculator results if you've used it, or tell us what you'd like to do. You don't need to complete the calculator before getting in touch.
Get in touch →Speak to a qualified adviser
Talk directly with Ves about your plans, income and any concerns. We'll explain what needs checking and what the next steps involve.
Full advice process →We look at the detail and handle the application.
Understand your position, choose a suitable mortgage and know what happens next.
Understand your circumstances
We look at your plans, income and commitments, including how you're paid if you run a business or have variable earnings. This helps us identify what needs checking before you commit to a property or submit an application.
Research & recommendation
We assess which lenders on our panel fit your circumstances and compare suitable mortgages. We explain the costs, criteria and flexibility behind our recommendation, so you understand how it fits your plans and budget.
Application & protection
We prepare and submit your application, respond to lender queries and keep you informed. We also discuss protection for your family, income and home, explaining which cover may be appropriate and how it fits your budget.
Completion & aftercare
We stay involved through to completion and help you understand any outstanding mortgage requirements. When your deal approaches its end or your circumstances change, we can review your mortgage and protection with you.
What it's like to work with us.
Choosing an adviser means choosing who you'll rely on for explanations, updates and help when questions arise. Here's how our clients describe working with Ves.
5.0/5.0
Feedback from clients we've helped with their mortgages and protection.
Catherine Hazell
"Ves is lovely to work with and very knowledgeable. He really put in the hours to get us the products we wanted and needed. Would 100% recommend The Mortgage League for Life Assurances"
Jo Lane
"Ves's advice was clear and gave me options to products I didn't realise I could access. His help has been invaluable! I wouldn't hesitate to recommend him."
Joe Hammond
"Professional, attentive, consistent and always available. Over exceeded expectations. Thank you Ves."
Izzy Hammond
"We recently bought our first home with Ves' assistance. He made the process simple and stress-free and was friendly, approachable and always answered our questions. Couldn't have asked for better service!"
Rob Cordery
"Ves was very professional and helpful throughout. He made the mortgage process simple, stress-free, always readily available, always clear, and always explaining options. I'm so grateful for his help and making things simple. Couldn't have asked for better service!"
Joseph D'Souza
"Ves is a friendly, no-nonsense guy who really knows his mortgages. He's always been informative and clear when advising me personally, and when I have referred him to others, they have all sung his praises and been extremely happy with his services. I wouldn't use or recommend anyone when it comes to mortgages."
Ralph Donohue
"I worked with Ves recently, polite, knowledgable and open to sensible in depth discussions. His knowledge of and access to the market makes him a good adviser to work with."
Frequently asked questions
Answers to common questions about borrowing, deposits and monthly payments.
How much can I borrow for a mortgage?
What is a mortgage affordability calculator?
How much deposit do I need to buy a home?
How much are monthly mortgage payments likely to be?
Can I borrow more as a first time buyer?
Can I remortgage and borrow more?
Tell us what you have in mind.
Whether you're buying, moving, reviewing your mortgage or considering protection, tell us what you'd like help with. If your income or circumstances need explaining, use the message box to give us a little background. You can contact us without using the calculator.
Ves Doctorov Cert SMP
Owner & Principal Mortgage Adviser