FAQ

Q: Are you an independent broker?

Yes — we’re a fully independent, FCA-authorised broker. That means we work for you, not the lender, and provide advised recommendations based on your circumstances.

Q: How much do your services cost?

Our initial consultation is free. If you proceed, we may charge an application fee — typically between £495 and 1%, which we’ll always disclose in advance.

Q: What’s the difference between going to a broker vs a bank?

Banks only offer their own products. We compare a wide range of lenders — including broker-only deals — and give personal advice. You’ll also get support from application to completion.

Q: Can you help clients across the UK?

Yes! We work with clients nationwide via phone, video, email, and WhatsApp.

First-Time Buyer:

Q: How much deposit do I need?

Most lenders require at least 5%–10% of the property value. We’ll help you understand your options, including gifted deposits and government schemes.

Q: Can I get a mortgage with little or no credit history?

Yes — we work with lenders who specialise in first-time buyers, even if you have minimal credit history or are newly employed.

Q: What documents will I need?

Typically: proof of ID, latest bank statements, income (payslips or tax returns), and deposit proof. We’ll guide you through exactly what’s needed.

Remortgage:

Q: When should I start looking to remortgage?

We recommend starting your remortgage process 3–6 months before your current deal ends.

Q: Can I remortgage to release equity?

Yes — you can remortgage to raise funds for home improvements, debt consolidation, or personal use. We’ll help you compare the best options.

Q: What if I want to stay with my current lender?

We can advise whether a product transfer or full remortgage is best based on the market — and help you avoid paying more than you need.

Buy-To-Let:

Q: Can I get a buy-to-let mortgage as a first-time landlord?

Yes. Many lenders support new landlords, especially with strong employment or income history.

Q: Should I use a limited company for buy-to-let?

This depends on your long-term tax and investment strategy. We’ll explain the pros and cons and help you find lenders that support both.

Q: How much can I borrow for a buy-to-let?

This depends on your expected rental income, not just your personal income. Use our calculator or contact us for a custom assessment.

Adverse Credit & Specialist Mortgages:

Q: Can I get a mortgage with bad credit?

Yes — we work with lenders who consider applicants with CCJs, defaults, missed payments, or debt management plans. Each case is unique, so we’ll assess your options carefully.

Q: How far back do lenders check credit history?

Most lenders review the last 6 years, but some specialise in more recent events or soft criteria. We’ll guide you on what’s realistic.

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