Bespoke mortgage advice, from first home to buy-to-let
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Whatever your mortgage needs, we've got it covered
From your deposit to your Agreement in Principle, we'll guide you through every step of buying your first home.
Porting your existing mortgage, arranging additional borrowing, and timing everything around your chain.
Coming to the end of your fixed rate? We'll compare the market before your lender's standard variable rate kicks in.
Rental yield, stress-testing and lending criteria for landlords and holiday-let owners, explained clearly.
Understand the lending side of a Ltd company structure — we'll work alongside your accountant on the tax side.
A form of equity release secured on your home. We'll talk through whether it's right for you, alongside independent legal advice.
We compare mortgages across the market, not just a shortlist of lenders.
We explain your options in plain English, with no pressure to decide.
We stay with you from application through to completion, handling the process on your behalf.
Mortgage Advice, Answered
Most mortgages need a minimum 5-10% deposit, though a larger deposit usually gets you access to better rates. We'll help you understand what's realistic for your circumstances.
You can go direct, but a bank can only offer you their own products. As an independent broker, we search deals across the whole market and can often access rates you won't find on the high street.
Once your application is submitted, most lenders take two to six weeks to issue a formal mortgage offer, depending on the lender and complexity of your case. We'll keep you updated throughout.
Yes, often. There are specialist lenders for adverse credit and self-employed applicants — as an independent broker, we know which ones are more likely to say yes.
A fixed rate stays the same for an agreed period, giving you predictable payments. A tracker rate moves with the Bank of England base rate, so payments can rise or fall. We'll help you weigh up which suits you.
Yes — joint mortgages with a partner, friend or family member are common. Lenders will assess all applicants' income and credit history together.
An Agreement in Principle is an indication from a lender of how much they might lend you, based on a quick check of your income and credit. It's not a guarantee, but it strengthens your position when making an offer.
An Agreement in Principle usually only involves a soft credit check, which doesn't affect your score. A full mortgage application involves a hard credit check, which is recorded but only has a small, temporary impact.
This varies by firm and product. We're upfront about any fees or commission before you commit to anything, so there are never any surprises.
You'll usually move onto your lender's standard variable rate, which is often more expensive. We recommend reviewing your options 3-6 months before your current deal ends.
Lenders typically offer 4-4.5 times your annual income, though this varies based on your outgoings, credit history and the lender's own criteria. We'll help you understand a realistic figure for you.
Most mortgages allow some overpayment each year without charge, often up to 10% of the balance. Paying off the full mortgage early may trigger an early repayment charge, depending on your deal.
Buying, remortgaging or moving home? Speak to an independent mortgage adviser.
Want to protect your family, home or income? We'll help you find the right cover.
Not sure where to start? Get in touch and we'll point you in the right direction.