Mortgage Advice,
Built Around You.
For over 20 years, Help to Lend has helped clients navigate the mortgage journey with advice tailored to their circumstances — from the first conversation through to completion.
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Years Experience
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Lenders Searched
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Stage Managed Process
End-to-End
Support
Access to lenders across the market
Our Expertise
Mortgage advice for your circumstances.
Our Approach
Advice that starts with you.
Help to Lend has been providing advice for over 20 years. We believe successful advice starts by understanding the individual, their circumstances and their goals.
From the earliest conversation through to the day you complete, we take care of the process: preparing the application, working with lenders and solicitors, and keeping you informed. Where protection is relevant, we consider it as part of the same plan rather than an afterthought.
The Journey
From first conversation to completion.
- 01
Understand
Understand your circumstances, plans and objectives.
- 02
Assess
Review your position and mortgage requirements.
- 03
Recommend
Identify suitable mortgage and protection options.
- 04
Apply
Manage the mortgage application process.
- 05
Progress
Help manage the journey and keep you informed.
- 06
Complete
Support you through to completion.
Completion Day
The day the keys are yours.
Every application we manage is aimed at one moment: a smooth completion, with no surprises and nothing left chasing in the background.
Mortgage Finder
Not sure where to start?
Tell us a little about your circumstances and we'll help you understand your options.
Protection
Getting the mortgage is only part of the journey.
Calculators & Tools
Know your numbers before you make your move.
Stamp Duty Calculator
Estimate the Stamp Duty Land Tax payable on a residential purchase in England or Northern Ireland.
Open toolMortgage Finder
Answer a short set of questions to see which areas of advice may be relevant to you.
Open toolMortgage Affordability Calculator
Explore an indicative borrowing range, monthly cost and property budget based on your figures.
Open toolMortgage Repayment Calculator
See estimated monthly payments, total repaid and total interest on capital or interest only terms.
Open toolBorrowing Power Calculator
An indicative view of how much you may be able to borrow based on income and commitments.
Open toolFinancial Risk Tool
A short questionnaire giving a preliminary indication of your financial resilience.
Open tool
Why Help to Lend
Why clients choose Help to Lend.
- 20+ years of experience
- Two decades of advising clients through changing markets, rules and circumstances.
- Personalised advice
- Recommendations built on your position in life, not a one-size-fits-all template.
- A human approach
- A named adviser who knows your case and answers the phone.
- End-to-end support
- From pre-application to completion, we take care of the moving parts.
- Mortgage expertise
- Residential, buy to let, self employed, contractor and specialist cases.
- Protection advice
- Cover considered as part of responsible mortgage planning.
Client Feedback
In our clients' words.
Paul made our first purchase feel completely manageable. He explained every option in plain English, found us a rate we didn't think was possible, and chased the lender so we didn't have to. We were in our new home within ten weeks.
As a contractor, high-street banks kept turning me away. Help to Lend knew exactly which lenders understood my income and had my mortgage agreed in principle within days. Genuinely impressed from start to finish.
We remortgaged to release funds for an extension and the whole process was effortless. Clear advice, no jargon, and we were kept updated at every stage. I've already recommended them to two friends.
Paul Chatha
Founder
The Founder
The man behind the vision.
Paul founded Help to Lend on a simple belief: mortgage advice works best when it is personal. Not a transaction processed, but a relationship built — understanding where a client is starting from, where they want to be, and taking care of everything in between.
That philosophy shapes the way the firm works today. Every case is treated individually, every option is explained plainly, and every client knows exactly who is looking after them from the first conversation through to completion.
Resources
Useful guidance for your next move.
Let's make your next move a little easier.
Whether you're buying your first home, moving, remortgaging or planning for what's next, our advisers are here to help.
- 20+ Years of Advice
- Whole of Market Panel
- Support to Completion
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Help to Lend is a trading style of Paul Chatha (FCA reference 927290), an appointed representative of King Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority. King Mortgages Ltd is entered on the Financial Services Register under reference 803561.