First-time buyers
From Earley to Woodley, start with an informal chat about your deposit, budget and the kind of property you are after, with no cost for the introduction and no obligation.
Mortgage introductions · Reading
Your local Reading Mortgage advisers
Your Reading fixed rate ending soon, or buying your first home across the RG postcodes? Horizon HQ introduces homeowners and buyers to FCA-authorised mortgage advisers who compare the whole market, so you don’t roll onto your lender’s standard rate by accident. The introduction is always free; you never pay Horizon a penny.
FCA-authorised advisers across the RG postcodes
First-time buyers, movers & remortgages
Self-employed & contractor income welcome
Free introduction, you never pay Horizon
First-time buyers, movers & remortgages
Self-employed & contractor income welcome
Free introduction, you never pay Horizon
The Reading market
Why Reading
Reading is one of the busiest property markets in the Thames Valley, and demand reflects it. As a major commuter hub, fast mainline rail to London Paddington and, more recently, the Elizabeth line, it draws buyers who want town-centre convenience without a full London budget, alongside families putting down longer-term roots in the surrounding suburbs.
The housing stock is genuinely mixed: Victorian and Edwardian terraces in the older central streets, inter-war semis through the suburbs, riverside flats near the Thames and Kennet, and newer estates on the town’s edges. That variety means no two mortgage cases look quite the same, a flat purchase, a period-home remortgage and a new-build move can all sit on the same street map. Our partner advisers know how Reading’s market tends to behave, and the introduction to one is always free.
Who we help in Reading
Whatever stage you are at, we match you to a local, FCA-authorised adviser who looks at the whole market for your situation.
Movers & home purchases
Moving within Reading or into the town from elsewhere? We introduce you to an adviser who knows the local market, from Caversham riverside homes to suburban family housing.
Remortgages
If your deal is ending or you are on a standard variable rate, an adviser will review the whole market for you so you don’t roll onto a higher rate by default.
Self-employed & contractors
We can introduce you to advisers used to working with self-employed, contractor and complex-income applicants, who know how your income is best evidenced.
Across Reading’s neighbourhoods
We introduce buyers and homeowners to advisers right across the RG postcodes, including:
Caversham
Sought-after riverside suburb north of the Thames, with a mix of period homes and family housing that suits movers and remortgagers alike.
Tilehurst
A large, well-established residential area to the west, popular with families and buyers looking for more space for the money.
Woodley
A busy suburban community to the east with plenty of family housing and good local amenities, popular with first-time buyers and movers.
Earley
A leafy, family-friendly area to the south-east, close to the university and well connected, a common starting point for first-time buyers.
Shinfield
A semi-rural village to the south that has seen newer housing growth, drawing buyers who want a village feel within reach of the town.
Theale
A village to the west with good road and rail links, mixing older cottages with newer developments.
Neighbourhood photos via Geograph, licensed CC BY-SA 2.0: Caversham © Fernweh; Tilehurst © Andrew Smith; Woodley © Roger A Smith; Earley © Rob Motha; Shinfield © David Howard; Theale © Maurice Pullin.
How a Reading introduction works
Getting matched to the right adviser is simple. Here’s how a free Horizon introduction works, from your first message to expert advice.
Tell us where you are
Share a little about your plans, a first purchase, a move within Reading, or a remortgage as your deal ends.
We connect you, free
We match you to a local, FCA-authorised adviser who compares the whole market for your situation. The introduction is free, you never pay Horizon.
Your adviser takes it from here
The matched adviser gives the regulated advice and handles your application. They may charge a fee, disclosed and agreed with you upfront.
Ready to speak to a Reading mortgage adviser?
Whether you are buying your first home in Reading, moving across the RG postcodes, or remortgaging before your fixed rate ends, get in touch and we will connect you with the right adviser. Introductions are completely free, you never pay Horizon a penny.
Reading mortgage questions
Can you help with a remortgage in Reading?
Yes. If your current deal is ending or you’re on your lender’s standard variable rate, we can introduce you to an FCA-authorised adviser who will review the market for you. We’re an introducer only and don’t give advice ourselves, the adviser handles that, and the introduction is free.
I’m a first-time buyer in Reading, where do I start?
A good first step is an informal chat with a mortgage adviser about your deposit, budget and the kind of property you’re after. We’ll introduce you to a local, FCA-authorised adviser who can talk you through your options. There’s no cost for the introduction and no obligation to proceed.
Can you help self-employed or contractor buyers in Reading?
We can introduce you to advisers in our partner network who are used to working with self-employed, contractor and complex-income applicants. They’ll look at how your income is best evidenced and which lenders suit your situation. As an introducer, we don’t assess affordability ourselves.
My fixed rate is ending, what should I do?
It’s worth speaking to a mortgage adviser before your fixed period ends, as rolling onto a standard variable rate can cost more. We can put you in touch with an FCA-authorised adviser who will explain your options. We don’t recommend any particular course of action ourselves, that’s the adviser’s role.
Does Horizon charge me a fee for the introduction?
No, Horizon’s introduction is completely free, and you never pay Horizon a penny. Horizon HQ is an introducer, not an adviser. Any mortgage adviser we match you to may charge a fee for their regulated advice, which is disclosed and agreed with you upfront before you proceed and is typically around £549 depending on your circumstances.
Is Horizon HQ regulated by the Financial Conduct Authority?
Horizon HQ Ltd is an approved introducer and is not itself authorised or regulated by the Financial Conduct Authority. All regulated mortgage advice is provided by our suitable authorised and regulated partners. Horizon HQ Ltd is an approved introducer of Asset Harbour Mortgages & Protection Ltd, whose FCA number is 630539.