Helping You Find the Right Mortgage, the Right Rate - and Secure Your Dream Home.

Mortgage are more than loans - they’re building blocks for your future.

Mortgages can be confusing - and costly if you get them wrong.

Help me with my Mortgage

Buying a home, moving house, remortgaging, or investing in property all come with one big challenge: choosing the right mortgage.

For most people and families, a mortgage is their biggest financial commitment - and their biggest opportunity. Many work hard, pay every month, and never stop to ask:
β€œCould my mortgage be doing more for me?”

With thousands of products on the market, ever-changing lender criteria, and complex affordability rules, it’s easy to feel lost or frustrated. Many people settle for whatever their bank offers - not realising there could be better options available that fit their goals and save thousands over time.

For self-employed clients, company directors, and investors, the process can feel even harder. Income is complex, criteria are strict, and lenders don’t always understand your situation.

You deserve a clear path through it all - one that’s personal, practical, and built around your bigger financial picture.

At Turkington Davis, we believe every mortgage should move you closer to financial freedom.

We see it as the foundation of your future wealth.

Desk scene with a laptop, notepad, and soft blueprint-style overlays symbolising strategic mortgage planning and wealth building.

Independent, FCA-authorised mortgage advisers | Trusted by home buyers across the UK

Your home may be repossessed if you do not keep up repayments on your mortgage.

The FCA do not regulate buy to let mortgages.

Strategic mortgage advice - built around your goals, not just your rate.

At Turkington Davis, we’re Wealth Architects - helping you turn today’s hard work into lasting wealth through smarter borrowing and better-structured mortgages.

We don’t just find mortgages; we look at your mortgage as part of your wider wealth plan - not just a loan, but a tool to build long-term security and opportunity for you and your family.

We’re whole-of-market advisers, searching thousands of products across lenders in both the UK and Northern Ireland to find the deal that truly suits you.

But our true value lies in how we connect the dots - how each decision - deposit size, term length, repayment plan, or remortgage timing - affects your bigger financial picture.

helping you turn today’s hard work into lasting wealth…

  • First-time buyers build strong financial foundations.

  • Home-movers make the most of equity and timing.

  • Homeowners remortgage wisely to release cash or reduce costs.

  • Self-employed professionals and company directors get the recognition lenders often overlook.

  • Investors and landlords grow portfolios that deliver income and long-term security.

Whether it’s a first home or a fifth investment, our role is simple: to make the complex clear - and the journey straightforward.

Say Hello πŸ‘‹

Our Mortgage Services

  • First Time Buyer Mortgage

    Buying your first home can feel daunting - but it doesn’t have to.

    We’ll help you understand deposits, affordability, and mortgage types so you can buy with confidence.

    Step onto the ladder with confidence.

  • Home-Mover Mortgages

    Moving home?

    We’ll help you decide whether to port your existing deal or start fresh - ensuring your new mortgage works for your next chapter.

    Outgrowing your space? Let’s upgrade.

  • Remortgages

    Switching your deal could save thousands.

    Whether you want a better rate, shorter term, or extra funds for renovations, we can help.

    Time for a better deal? You might be surprised.

  • Self-Employed & Director Mortgages

    Your income is unique - your mortgage should be too.

    We understand complex income. With access to specialist lenders, we can help you find a deal that recognises your real earnings.

    Finally, a mortgage that understands entrepreneurs.

  • Buy-to-Let & Investment Mortgages

    Built for wealth not just property.

    For landlords and investors, we offer expert advice on buy-to-let, HMO, serviced accommodation and limited company structures - helping you grow your portfolio strategically.

    Turn bricks and mortar into long-term wealth.

  • Commercial Mortgages

    Growing the business?

    Whether you’re purchasing a premises, refinancing, or expanding your portfolio, we’ll help you access lenders who understand your goals and support your long-term business and wealth strategy.

    Give your business the space to grow - literally.

Clear advice. Smarter borrowing.

A mortgage that fits your life and future.

Our 7-Step Mortgage Process

  • It all starts with a friendly conversation. We’ll listen to your story - where you are now, where you’d like to be, and what’s driving your next move.

    No jargon, no pressure - just a genuine chat to understand your goals.

  • Once we’ve connected, we’ll explore your short-term and long-term plans - from dream home ambitions to investment goals and lifestyle priorities.

    We’ll help you define what β€œsuccess” looks like beyond just getting a mortgage.

  • Here’s where the architect in us shows up.

    We’ll build your Mortgage Blueprint - mapping your affordability, income, commitments, and future plans into a structure that balances flexibility, cost, and opportunity.

  • With your blueprint in place, we’ll search the whole market - comparing thousands of deals from high-street names and specialist lenders across the UK and Northern Ireland.

    You’ll see your best options clearly, side-by-side.

  • Advice & Recommendation.

    We’ll walk you through each choice in plain English - explaining what fits your circumstances today and supports your wealth tomorrow.

    Together, we’ll pick the right solution, not just the cheapest rate.

  • Smooth Application & Support.

    We’ll take care of the legwork - submitting the application, liaising with lenders, surveyors, and solicitors, and keeping you updated from start to finish.

    You’ll always know what’s happening and when.

  • Once you’ve got the keys (or the funds), our relationship doesn’t end there.

    We’ll check in regularly to review your mortgage, make sure it’s still working for you, and update your plan as life - and markets - evolve.

    Because building lasting wealth takes partnership, not paperwork.

Pathway leading forward through a peaceful landscape, representing the guided step-by-step mortgage journey at Turkington Davis.

Why clients choose us

Mortgage adviser meeting with clients at a table, discussing options in a friendly and approachable setting.

  • Whole-of-market access - We’re not tied to any one bank or lender, so you get truly independent advice.

  • Expertise for every situation - From self-employed and buy-to-let to standard residential, we specialise in getting complex cases approved.

  • Clear, jargon-free advice - We explain everything in everyday language so you feel confident at every step.

  • Speed and simplicity - Our streamlined process keeps paperwork light and communication open.

  • Long-term thinking - Every recommendation supports your long-term financial health, not just your next move.

  • Personal service - Real people, real advice. No call centres. No scripts.

Let’s Make Your Next Move Simple

Your mortgage is more than a loan - it’s a foundation for your family’s future.


Whether you’re buying your first home, remortgaging, or investing, our advice is designed to save you time, stress, and money - while helping you build long-term wealth.

Book a FREE Discovery Call Today

FAQs - Mortgage Advice

  • We advise on all major mortgage types - first-time buyer, home-mover, remortgage, self-employed, buy-to-let, and commercial finance.

    If your situation involves property or borrowing, we’ll guide you through it.

    Explore our full range of services here:

  • We compare mortgage products from across the market, handle the paperwork, and guide you through the process from start to finish.

  • Affordability varies by lender, income, deposit, and credit history. During your discovery call, we’ll calculate what’s realistic and show you ways to strengthen your affordability if needed.

    Learn more: πŸ‘‰ First-Time Buyer Mortgages

  • Not always. Some lenders offer good product-transfer options, but many home-movers miss out on better rates available elsewhere. We compare both options so you can decide with confidence.

    Learn more: πŸ‘‰ Home-Mover Mortgages

  • Yes - many clients remortgage to raise funds for renovations, debt restructuring, investments, or deposits for additional properties.

    We’ll help you understand the pros and cons, tax considerations, and long-term impact.

    Explore options:
    πŸ‘‰ Remortgage

  • Many won’t… but the right ones will.
    We work with lenders who specialise in limited companies, contractors, and sole traders - and who look beyond full-year salary drawings.

    If you can evidence your income, we can usually help you secure the right deal.

    Learn more: πŸ‘‰ Self-Employed Mortgages

  • Yes - especially if your income structure is more complex. Some lenders consider salary + dividends only, while others assess retained profits or accountant-certified income.

    We know which lenders to approach based on how your business is set up.

    Learn more: πŸ‘‰ Self-Employed & Director Mortgages

  • Absolutely - we’re landlords ourselves and can provide and insight from another angle.

    Whether you’re buying your first rental property or expanding a portfolio, we advise on:

    • Individual & limited company BTL

    • HMOs

    • Short-term lets & serviced accommodation

    • Portfolio lending and refinancing

    • Remortgaging existing rentals to release deposits

    Explore options: πŸ‘‰ Buy-to-Let & Investment Mortgages

  • Yes - we support business owners, investors, and developers looking to purchase, refinance, or release capital from commercial property.

    This includes trading premises, investment units, mixed-use buildings, and semi-commercial assets.

    Learn more soon:
    πŸ‘‰ Commercial Mortgages (page coming soon)

  • This depends on your situation, but most clients will need:

    • Proof of ID & address

    • Proof of income (payslips or accounts)

    • Bank statements

    • Details of existing mortgages or debts

    • Company accounts (if self-employed or director)

    After our first chat, we’ll send a personalised document checklist.

  • Most straightforward applications take 4–6 weeks, but more complex cases (self-employed, BTL, commercial) can take longer due to underwriting or valuations.

    We’ll give you a realistic timeline upfront.

  • Yes - every client receives ongoing reviews.

    We monitor deal end dates, interest rate changes, rate drops, and investment opportunities to ensure your mortgage continues to support your long-term wealth plan.

    Learn about remortgage options:
    πŸ‘‰ Remortgage

  • We support clients across the UK and Northern Ireland.

    Being based in Belfast gives us strong insight into NI lender criteria, while still working with all major UK-wide banks and specialist lenders.

  • Yes - as Wealth Architects, we help clients connect property, protection, pensions, and long-term planning into one clear strategy. This includes using mortgages as part of a broader wealth-building blueprint.

    Explore our financial planning offering:
    πŸ‘‰ Business Wealth Review
    πŸ‘‰ Financial Planning

Start Your Free Discovery Call πŸ‘‹

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