Mortgage Advice
Whatever your circumstances, we have the expertise to find the right mortgage for you. With a wide panel range of mortgage lenders we search across many products to secure you the best and right deal for you.
First Time Buyers
Buying your first home is an exciting milestone, but it can also feel very overwhelming if you are not sure where to start! As a first time buyer you may have many questions, about deposit, credit scores, affordability and the mortgage process as a whole – and that is completely normal. Our role is to guide you through every stage, making sure you understand your options and feel confident in your decisions.
What We Offer
- We explain everything in clear straightforward language
- Help you prepare for your application
- Liaise with mortgage lenders, estate agents, and solicitors
- Support you right through to completion day
- Personal one-to-one advice tailored to your circumstances
Why Choose Us?
Comprehensive Panel
We work from a comprehensive panel which is representative of the whole of the market, including exclusive deals not available directly to the public.
Expert Advice
Our experienced advisers understand the complexities of different mortgage types and will find the right solution for you.
End-to-End Support
From initial consultation to completion, we'll be with you every step of the way, handling all communications with lenders.
No Obligation
Our initial consultation is no obligation, with no pressure to proceed. We'll provide honest advice on your best options.
Transparent Fees
Our broker fee is £495, payable on mortgage offer. We don't take your money until your mortgage is approved and a formal offer is issued.
Residential Mortgages: Your home may be repossessed if you do not keep up with your mortgage repayments.
Buy To Let: Most buy to let mortgages are not regulated by the Financial Conduct Authority.
Common Questions
Here are some of the most frequently asked questions about mortgages
How much can I borrow?
Most mortgage lenders will lend between 4-5x your annual household income, though this can vary based on your circumstances and also the mortgage lender. We will help you understand exactly what you can borrow.
What deposit do I need?
The majority of lenders for a residential mortgage require a minimum deposit of 5%, again this depends on your individual circumstances. There are many low deposit schemes on the market including 100% Mortgages, and some schemes with certain lenders requiring even less than 5% deposit. Having a larger deposit typically means you will access better interest rates due to being in a lower loan to value banding. Your deposit options will be discussed based on your circumstances.
What fees are involved?
Fees may include lender arrangement fees, valuation fees, legal costs, and broker fees. We'll explain all costs clearly upfront — no surprises.
What is your broker fee?
Our broker fee is £495 on mortgage offer. We do not take your hard earned money until you know the job is done, your mortgage approved and a formal offer issued by the mortgage lender.
Ready to Find Your Perfect Mortgage?
Book a no-obligation consultation and let's discuss your mortgage needs
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