Frequently asked questions

We are open 8am-8pm Monday-Saturday & 10-4 on Sunday. Pop us over a message and we can schedule an initial call for whenever best suits you 

Maybe you’ve tried to arrange the mortgage yourself or you’ve been declined when applying with another mortgage broker, either way it would be worthwhile giving us a call. Just because you have been declined a mortgage once, it doesn’t mean that it’s impossible. Our expert advisors have helped many borrowers get a mortgage, even if they had been declined by their own bank or by a different mortgage broker.

Some lenders are more lenient than others when it comes to credit score, that’s why you should speak to an expert. We also work with many specialist lenders who understand if you’ve had a few hiccups in the past. 

Protection - we offer a completely fee free service so we won’t charge you a penny for arranging your life insurance, critical illness cover, income protection or home insurance through us. 

Mortgages – our initial consultation is free, and our fee won’t be payable until we’ve successfully submitted a mortgage application on your behalf. The fee we do charge will be between £195-£999 and the amount charged will depend on the complexity of the case.

The main deciding factors dictating how much you can borrow is income and outgoings (mainly credit commitments but other factors are also taken into consideration). Every lender calculates affordability differently and this is why it is always best to speak to an advisor.

As a minimum the lender requires that you take home insurance to insure the property. We would also usually recommend you take contents cover. Other insurances that you should consider include life insurance, critical illness cover and income protection.