# Mortgages and Borrowing > Get expert mortgage advice for first-time buyers, remortgages, and buy-to-let. Access 90+ lenders to find your best borrowing options. Updated: 2025-05-23 ## Mortgages and Borrowing Whether you’re a first time buyer, looking to remortgage, or considering your buy-to-let options, our partners can help. We’re in touch with independent mortgage advisers who can access over 90 lenders with mortgages that aren’t directly available, providing you with the best option for meeting your unique needs and budget. [](https://tspartners.co.uk/our-services/mortgages-and-borrowing/first-time-buyer/) ## [First-Time Buyers](https://tspartners.co.uk/our-services/mortgages-and-borrowing/first-time-buyer/) Looking to take your first steps to get onto the property ladder? Our partners can provide expert first-time buyer advice and access a range of products that are best suited to your circumstances. [Discover](https://tspartners.co.uk/our-services/mortgages-and-borrowing/first-time-buyer/) [](https://tspartners.co.uk/our-services/mortgages-and-borrowing/second-mortgages/) ## [Second Mortgages](https://tspartners.co.uk/our-services/mortgages-and-borrowing/second-mortgages/) Considering a second mortgage or wondering how they work? Our partner network has industry experts who can chat to you about your personal mortgage plans. [Discover](https://tspartners.co.uk/our-services/mortgages-and-borrowing/second-mortgages/) [](https://tspartners.co.uk/our-services/mortgages-and-borrowing/remortgages/) ## [Remortgages](https://tspartners.co.uk/our-services/mortgages-and-borrowing/remortgages/) Our partners offer straight-talking advice on remortgaging, comparing options across the market to find you the best deal. Get in touch to find out more. [Discover](https://tspartners.co.uk/our-services/mortgages-and-borrowing/remortgages/) [](https://tspartners.co.uk/our-services/mortgages-and-borrowing/buy-to-let-mortgage/) ## [Buy-to-Let](https://tspartners.co.uk/our-services/mortgages-and-borrowing/buy-to-let-mortgage/) Looking to boost your property portfolio? Our partners can uncover the best buy-to-let mortgage rates available for you, and how to avoid common mistakes. [Discover](https://tspartners.co.uk/our-services/mortgages-and-borrowing/buy-to-let-mortgage/) [](https://tspartners.co.uk/our-services/mortgages-and-borrowing/buy-to-let-through-a-ltd/) ## [Buy-to-Let through a Ltd Company](https://tspartners.co.uk/our-services/mortgages-and-borrowing/buy-to-let-through-a-ltd/) There are certain benefits to taking out a buy-to-let through a limited company. But it’s risky to do so without professional and valued advice. Find out how our partners can help. [Discover](https://tspartners.co.uk/our-services/mortgages-and-borrowing/buy-to-let-through-a-ltd/) [](https://tspartners.co.uk/our-services/mortgages-and-borrowing/help-to-buy-equity-loan/) ## [Help to Buy Equity Loan Scheme](https://tspartners.co.uk/our-services/mortgages-and-borrowing/help-to-buy-equity-loan/) The HTB Equity Loan scheme is a great option for those looking to buy their first home – our partners can give you an insight into a range of options you might not have already considered. [Discover](https://tspartners.co.uk/our-services/mortgages-and-borrowing/help-to-buy-equity-loan/) ## Latest insights [](https://tspartners.co.uk/what-small-businesses-need-to-know-from-hmrcs-2025-stakeholder-conference/) ## [What Small Businesses Need to Know from HMRC’s 2025 Stakeholder Conference](https://tspartners.co.uk/what-small-businesses-need-to-know-from-hmrcs-2025-stakeholder-conference/) HMRC held its annual Stakeholder Conference in London on 16 September 2025, bringing together government officials, tax experts, and business representatives. The big message this year? HMRC wants to work more closely with businesses and advisers as it modernises the UK’s tax system. HMRC’s Three Big Priorities : In his first major speech as Exchequer \[…\] October 17, 2025 [](https://tspartners.co.uk/how-a-lost-hmrc-letter-helped-a-uk-business-avoid-a-12k-vat-penalty/) ## [How a Lost HMRC Letter Helped a UK Business Avoid a £12k VAT Penalty](https://tspartners.co.uk/how-a-lost-hmrc-letter-helped-a-uk-business-avoid-a-12k-vat-penalty/) A recent tribunal case shows the importance of monitoring communications from HMRC and having robust internal processes. The Case MBP Europe Limited, a VAT-registered company, owed £606,685 for the quarter ending 30 September 2024. The company expected HMRC to collect the payment via its usual direct debit arrangement. When the payment hadn’t gone through by \[…\] October 10, 2025 [](https://tspartners.co.uk/lessons-for-politicians-and-accountants-from-angela-rayners-tax-story/) ## [Lessons for Politicians and Accountants from Angela Rayner’s Tax Story](https://tspartners.co.uk/lessons-for-politicians-and-accountants-from-angela-rayners-tax-story/) Recent events surrounding Angela Rayner’s stamp duty land tax issue highlight just how complex UK tax rules can be and the importance of obtaining proper professional advice. Her experience offers important lessons for politicians, accountants, and anyone handling complicated tax matters. Complex Tax Rules and the Media Spotlight Rayner’s situation was complicated by trusts and \[…\] October 3, 2025 ## Request a call back [Request a call back](https://tspartners.co.uk/our-services/financial-planning/mortgages-and-borrowing/#request-a-call-back) If you need to speak to us about a general query, please fill in the form above and we will call you back within the same working day.