FAQS

We have an initial chat, complete a fact find and request some documents, do some research, explain to you what is the best product based on your criteria and then look to do a decision in principle. If you are accepted we submit the full application and send the request documents to the lender. These will be assessed and when they are happy they will instruct a valuation. Once the valuation is back this will be assessed and if satisfactory will be sent for final checks and then your mortgage is offered. It is advisable to look at Protection and Buildings and Contents, which we also offer an advised service on.  The next part of the mortgage process is down to your solicitor.

A fixed rate will stay the same for a set period whilst a variable rate will increase or decrease in line with the bank of England base rate or the lenders own standard variable rate. 

Capital and Repayment is when you pay a small amount off your mortgage each month and the remainder is interest for the mortgage you have borrowed. At the end of  the term of your mortgage providing no changes have been made to your mortgage, it would be paid off in its entirety and you would own your home.  Interest Only is where you never repay any of the mortgage (only the interest element) and at the end of the term this must be repaid by a repayment vehicle or sale of property.

Yes, this is potentially something we maybe able to help with. 

This may be possible but it will depend on what this was for, how often and how long ago. There are lenders out there that specialise in this area that we deal with.

There are different types of self employed people out there and yes we can find mortgages for self-employed people.

You may not fit their affordability due to changes in circumstance of their lending policy, but often there are other lenders out there that look at cases differently so it is quite possible.

This will depend on the lender, your circumstances and how quickly you get things to us. This can be as little as 4 weeks but we aim to get an offer out in 6 weeks, we have no control over lenders and valuers but we can assure you we are always chasing this to get the mortgage offers through for our clients as soon as possible.

We are representative of the whole of market. So we can use any lender that will deal with mortgage brokers. If a lender has direct only deals we are unable to provide these, but we may have exclusives ourselves or can find a more suitable rate elsewhere.

This will depend on your personal circumstance as they are individual to you together with any outstanding loans or finance you may have and children also come into the equation. This will be dependent on the mortgage lender chosen, which is why we are here for you.