Clarity
Every number in front of you, on day one.
Borrowing range, monthly payment, deposit and fees — shown together, not one document at a time. Change an assumption and the picture updates.
Residential mortgages
See the whole mortgage
before you sign it.
Borrowing power, monthly cost, and every fee attached to it — set out in one place from the first conversation, and kept accurate as your circumstances move.
No credit check to see your numbers. Figures are estimates until a lender issues a decision.
The idea
Most people meet their mortgage as a rate and a monthly figure. The parts that decide what it really costs — the product term, the arrangement fee, what happens at the end of the fixed period — arrive later, in paperwork, when the offer is already moving.
A Star Mortgage Services puts the full shape of the loan in front of you at the start. You see the range you can borrow, the true monthly cost, and the two or three trade-offs that actually change the outcome. Then an adviser takes it to lenders.
Whole-of-market search across residential lenders, including products not sold direct.
One adviser named on your file from first call to completion.
What you get
Speed
Send your documents once.
Payslips, statements and ID are captured once and reused across every lender we approach. You are told what is outstanding and why — not chased for it twice.
Cost
Compared on total cost, not headline rate.
A lower rate with a large fee often loses over a five-year fix. We rank products by total cost across the initial period, and show the working.
Compared on
Rate, fees, term, exit
Shown as
Cost over the fix
People
The same adviser, all the way through.
One qualified adviser owns your case from first call to completion, handling the lender, valuation and solicitor's questions. You can reach them directly.
How it works
Timings depend on the lender and your circumstances. Your adviser tells you where you are at each stage.
01
Tell us about the purchase
Ten minutes online or on a call: income, deposit, the property if you have found one.
02
Get your borrowing range
A realistic minimum and maximum, with the products that sit inside it and what each costs.
03
Choose and apply
Your adviser recommends a product, explains why, and submits the application with your documents attached.
04
Offer and completion
We track the valuation and underwriting, answer the lender's questions, and stay on the case until keys change hands.
Cost calculator
Move the inputs to see repayments, total interest and the equity you hold at the end of the term. Estimates only — a lender’s decision may differ.
Estimated monthly payment
£2,021
Capital and interest, 25 years at 4.6%.
Loan amount
£360,000
Total interest
£246,446
Loan to value
80%
Ownership at completion
Yours 20% · Lender 80%
A larger deposit usually unlocks a lower rate band. Below 10% the choice of products narrows.
Talk to an adviserIllustrative figures. Not a mortgage offer or advice.
Next step
Fifteen minutes with an adviser gives you a borrowing range you can take to an estate agent. No cost, no commitment.
- No credit check
- No cost
- No commitment
What the call gives you
A borrowing range you can take to an estate agent.
Your monthly cost, with every fee attached to it.
A named adviser who owns your case from here.
Figures are estimates until a lender issues a decision.