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FAQs

Find below our most frequently asked questions, with some useful information to help you begin your mortgage journey.

Services

Most lenders typically take around 2-3 weeks for a mortgage offer to be produced. However this will depend on how busy the lenders are and which lender we are applying to.

We can offer meetings and discussions via different methods, these include:

  • Facetime
  • Whatsapp
  • Email
  • Video Conferencing Calls
  • Face to Face

We can certainly assist you with the London help to buy scheme and in other areas of the country as well. We don’t unfortunately deal with shared ownership mortgages at the moment.

Not currently at this time but we can put you in touch with another recommended adviser for this. Please still give us a call to discuss.

We can indeed however the property that is being lent on must be in the UK.

We certainly can, just ask us for our panel of recommended solicitors.

Payments

Our mortgage advice and arranging fees are based on individual circumstances and the complexity of your situation, however this will never be more than 1% of the mortgage amount. We do receive commission from the banks on completion of your mortgage, however in certain circumstances we may have to charge you a fee for our advice and service. You will know exactly what this is before we proceed with any applications. An example would be if we were arraign a £300,00 mortgage, our fee may be in the region of £300. 

Our initial consultations to establish your requirements are of no cost whatsoever.

We don’t charge fees for arranging life assurance policies.

No. If you are charged a fee for the mortgage, this typically won’t be payable until the mortgage offer has been produced. If we don’t get you your mortgage offer, then there is no fee. And we will do our best to get you that end result should plan A fail.

Unfortunately we don’t offer refunds.

Miscellaneous

We will be able to offer you mortgages from a comprehensive range of lenders across the market. There are some lenders that choose to deal with customers directly and there are a few that we won’t be able to help you with other than these. If you need any further details around this then please ask. To give you a few of the lenders we don’t work with:

  • Chelsea BS
  • Yorkshire BS
  • HSBC
  • TSB
  • Post Office and Bank of Ireland

Not always! Sometimes you can get away with a reference from us as your broker. I would suggest speaking to the estate agent you’re buying through and providing them with our details so we can help manage this side of the purchase. With rates and criteria changing on a weekly basis, it may be best for us to carry out the required research first before making your offer on a property to give you the confidence that the indication we provide you will work, and the same goes for the estate agent!

The role of a broker is a simple one it may seem, but there are lots of different aspects to a good broker. Essentially, our job is to make the process of arranging a mortgage or insurance policy as straightforward as possible. We will scour the market for the best lender, provider and terms possible based on your needs and circumstances, advise you and inform you of the product’s terms and conditions, and proceed to then arrange the particular product on your behalf.

There is a negative stigma around mortgage brokers. Our aim is to provide you with advice and recommendations based on your needs and circumstances. We do not work on behalf of estate agents or solicitors, or any other third parties, nor will we share any of your personal information with these third parties without your consent to do so. You are our client, and we will do our best to make sure that the end goal is achieved in the most efficient manner possible.

None at all! This will be done by the lender shortly before submitting the application, but only once we’ve agreed and discussed the terms of the mortgage with you beforehand.

Please see our standard requirements list under useful documents for more information.

Various ways! Email, via our secure online portal, post or giving them to us face to face!

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