Frequently Asked Questions
If you find what we have sent of interest and wish to go forward, we will make a thorough assessment of your needs and recommend an appropriate lender and mortgage product for you. We will then approach that lender on your behalf, to gain a decision in principle and an indication of their willingness to lend.
We then manage your application through to completion, keeping you in the loop throughout. During this time we will review your Protection and Insurance needs and make recommendations where they are appropriate and relevant.When it’s time to remortgage, we can help you continue to pay less.
See our Sitemap for details and advice links.
Check out Our Team to find out more.
This means that we are not tied to any lender or third party, and we have access to the whole mortgage marketplace, allowing us to ensure we get you the best deal.
We believe in being competitive and transparent on fees.
Your initial mortgage consultation is free. You won’t be asked to pay a fee until we have submitted an application on your behalf.
Our fees depend on the product - see the list below or speak to an advisor.
Residential Mortgage & Remortgage
Application fee of £395.00 payable on receipt of the lender’s decision in principle and our broker fee of £595.00 payable on receipt of mortgage offer. Total fees payable - £990.00.
Buy-to Let Mortgages & Remortgages
Application fee of £395.00 payable on receipt of the lender’s decision in principle and our broker fee from £595 up to 0.50% of the mortgage offer. For example, loan amount £200,000, broker fee payable could be £1,000.00. Total fees payable £1,395.00. A minimum broker fee of £595.00 will be applied on all buy-to-let applications.
Equity Release Mortgages
Application fee of £395.00 payable on receipt of the lender’s decision in principle and our broker fee of £995.00 payable on completion of your mortgage. Total fees payable - £1,390.00.
Credit Repair Mortgages
Application fee of £395.00 payable on receipt of the lender’s decision in principle and our broker fee equal to 0.5% of the mortgage offer. For example, loan amount £200,000, broker fee payable could be £1,000.00. Total fees payable - £1,395.00. A minimum broker fee of £595.00 will be applied on credit repair applications.
No fee will be charged by us. You will receive a free quotation from the policy provider.
When you pay for mortgage advice rather than using a ‘free’ service, or going direct, you can trust that everything we do is in your interest. Put it this way - whether getting a tattoo or a mortgage, always hire a professional.
Hiring a Mortgage Advisor takes a lot of the stress and time investment away, as we do the hard work for you - finding the best deal, submitting paperwork, speaking to lenders, and more.Many of our clients use us time and time again, and refer us to friends and family.
We are regulated by the Financial Conduct Authority, registration number 806832. The company is registered in England - No. 11260088.All our Mortgage Advisers hold a Certificate in Mortgage Advice and Practice (CeMAP).
Many also hold a Certificate in Regulated Equity Release (CeRER) enabling them to advise on the specialist area of Equity Release.
Typically, the mortgage process will take 2-6 weeks to reach approval.
A mortgage offer is usually valid for 6 months.
Please be aware, the process is currently taking longer due to Covid-19. Please see question 'How has Covid-19 affected the mortgage market?'.
Our Client Portal and filing systems are securely encrypted to keep your personal details safe.
Phone calls may be recorded for training and monitoring purposes only.
We will advise on all the options available and provide a no obligation quote from our partner provider, Royal London.