IMH

IMH, mortgage advisory firm specialising in reviews and remortgages

IMH presents itself as a remortgage specialist and operates under the trading name of The New Homes Group Limited, a company registered in England and Wales. Its activity focuses on mortgage reviews: analysing the client's current conditions and finding a better alternative, whether a rate switch with the current lender or a new mortgage with another lender.

The firm describes its service as a fully advised service, provided by telephone or video call, and notes that it works with thousands of mortgages available on the market, including the rate switch products of the client's own lender. According to its own presentation, it reviews the mortgages of thousands of customers each year.

Mortgage services offered

• Mortgage review: analysis of the existing mortgage to check whether a more advantageous option exists.
• Remortgage: search for a new mortgage with another lender.
• Rate switch: arrangement of a new interest rate with the current lender.
• Moving home: mortgage advice for those moving house.
• Additional borrowing: increasing the existing mortgage loan.
• Debt consolidation: consolidating debts through the mortgage.
• Help to Buy: management of retaining and repaying the loan under this scheme.
• Insurance: insurance services among the areas listed in its menu.

Loyalty membership and cost of the service

The company distinguishes between customers with Loyalty membership and the rest. For the former, the mortgage review service is entirely at no charge, according to the site. Customers who are not members of that programme can also receive assistance, although a fee may apply, which the firm explains during the conversation. In addition, any fees arising from mortgage services are detailed at the first appointment, which is presented as without obligation to proceed.

Calculation tools and territorial scope

The website includes indicative calculators to estimate how much can be borrowed, the deposit required, the monthly payment and Stamp Duty. The results are expressly presented as illustrative and not as a formal quotation or a commitment to lend, and depend on financial situation, property value and the deposit or equity contributed. The Stamp Duty calculator covers England and Northern Ireland; for purchases in Wales, the firm refers to a telephone call. The site also details the bands applicable before and after April 2025, including the specific thresholds for first-time buyers.

Corporate structure and regulation

IMH is a trading name of The New Homes Group Limited, registered in England and Wales with company number 2509770 and registered office at Witan Gate House, Milton Keynes. For activities related to regulated mortgages and non-investment insurance contracts, The New Homes Group Limited acts as an appointed representative of Connells Limited, authorised and supervised by the Financial Conduct Authority (registration number 302221). The firm warns that most buy-to-let mortgages are not regulated.

The group describes itself as a new homes specialist in the United Kingdom and has a head office in Colchester (Essex), in addition to the IMH office in Peterborough. The company states that it supports the charities EACH and Little Lifts.

Offices and locations

IMH Peterborough Office: Eaglethorpe Barns, Warmington, Peterborough, PE8 6TJ

The New Homes Group Head Office: Plaza Suite, Stanway Retail Park, Peartree Road, Colchester, Essex, CO3 0JS