General
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.
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.
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.
Can you help clients across the UK?
Yes! We work with clients nationwide via phone, video, email, and WhatsApp.
First-time buyer
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.
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.
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
When should I start looking to remortgage?
We recommend starting your remortgage process 3–6 months before your current deal ends.
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.
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
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.
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.
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
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.
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.
Ready to get started?
Tell us about your plans — it starts with a few questions and a free conversation.
Your home may be repossessed if you do not keep up repayments on your mortgage.