FAQs

  • I’m self-employed. Can you help?

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

  • I’ve been turned down by my existing lender can you still help me?

    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.

  • How long will it take to get an offer?

    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.

  • Which lenders do you use?

    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.

  • How much can I borrow?

    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.

  • What deposit do I need?

    This will vary on the type of property that you are buying but it can be as little as 5%.

  • Do I need a survey and if so what type?

    You have to have a standard survey to ensure the property is satisfactory to lend on for mortgage purpose, a home buyers report is good for properties that need a more in-depth survey for peace of mind as they will check for structural issues, subsidence, damp and any other issues. They may suggest you have more inspections like an electrical check or a full structural check to protect you from further issues.

  • Do I need life cover if I have a mortgage?

    Mortgage Lenders like you to have insurance in place because if anything was to happen; for example you have bought your home in joint names and one of you were to die it may not be possible for you to keep the house due to affordability and whilst you are grieving you could also lose your home at the same time and this would then  add to a nightmare scenario and make things far worst.