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Mortgage advice

We understand that having a mortgage is a key part of your financial plan. As financial planners and whole of market mortgage brokers, we can design a suitable financial plan that ensures your debt is managed efficiently.

Mortgage resources and tools

A simple, unbiased process

We understand that the process of applying for a mortgage can be daunting and a little complex. We make sure that you understand all of your options and then select the most appropriate one for you.

Our three-step process is clear and simple:

  • 1

    Initial assessment

    We establish the type of mortgage and if it is a standard or non-standard case. If your mortgage result is unlikely, we will suggest ways to improve your eligibility at no extra charge.

  • 2

    Mortgage research

    There’s lots to consider before deciding which mortgage deal and interest rate is the right one for you. We conduct detailed research and send a tailored model with your options.

  • 3


    We handle the process of applying for a mortgage all the way through to completion. We will make your lender application online for you, directly through the lender portal.

How much can I borrow?

An estimate of how much lenders may be willing to lend to you

Based on the information provided, you could borrow between:

Upper borrowing range


Lower borrowing range


The actual amount that you could borrow will vary from lender to lender, and will be influenced by all your monthly outgoings.

Mortgage repayment calculator

See how much your mortgage payments could be


Monthly repayment (incl. interest)

Based on the information provided, your mortgage will cost as follows:

Repayment (pm)

Interest only (pm)

Loan to value

Stamp duty payable

Repayment (pm) + interest rate increase

Interest only (pm) + interest rate increase

The monthly repayment is for a straightforward repayment mortgage. It includes both interest and repayment towards the capital loan amount. This reduces the amount owed on the capital, month by month.

The interest only shows the amount of interest due on the loan. If you opt for an interest-only mortgage such as one linked to an endowment, ISA or pension savings policy, you will need to factor in the cost of those policy premiums. On maturity, the savings policy is intended to pay off the capital loan.

These figures are only a guide. We'd be very happy to discuss them with you in further detail.

See the difference in cost for two different mortgages

Mortgage option #1

Mortgage option #2

Based on the information provided, the options compare as follows:

Mortgage option #1

Mortgage option #2

Monthly repayment

Cost over full term (incl. fees)

Interest Only
monthly repayment
Interest Only
cost over full term (incl. fees)

This calculator assumes that interest rates do not change during the term, and that you pay the fees upfront.

We're one of the leading mortgage specialists


Multi-industry expertise

We are financial planners and brokers. We make sure that you not only get the best mortgage for your circumstances, but also advise you on relevant issues.


Professional relationships

We have long-standing relationships with underwriters at all the banks.


Unbiased advice

We are completely independent, and offer "whole of market" mortgage advice.


Specialist knowledge

We have specialist knowledge of the contractor market.


International expertise

We are knowledgeable about the foreign national lending policies for all lenders in the market.


UK insights

We have specialist knowledge of large loan structures and have relationships with all the relevant UK and offshore private banks.

More than anything else: We make the complex feel simple.

Contact our wealth team

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South Africa

Cape Town

Regent Square
Doncaster Road
Kenilworth 7708 +27 (0) 21 657 2120


25 Richefond Circle
Umhlanga 4320 +27 (0) 31 536 8844

United Kingdom


One Croydon
12-16 Addiscombe Road
Croydon CR0 0XT +44 (0) 20 7759 7514



9 Yarra Street
South Yarra
VIC 3141 +613 (0) 8651 4500

Sable International is a trading name of 1st Contact Money Limited (company number 07070528), registered in England and Wales. We are authorised and regulated by the Financial Conduct Authority in the UK (FCA no. 517570), the Financial Services Conduct Authority in South Africa (1st Contact Money [PTY] Ltd - FSP no. 41900) and hold an Australian Financial Services Licence issued by ASIC to deal in foreign exchange (1st Contact Group - AFS Licence number 335 126).

Our United Kingdom business, Sable Private Wealth Management Ltd, is authorised and regulated by the Financial Conduct Authority. Our Companies House registration number is 222501. Our authorisation can be checked on the FCA register here: Our South African business, Sable Private Wealth (Pty) Ltd, is an authorised FSP, regulated by the Financial Services Conduct Authority under licence number 48122.

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