FAQs
Your Mortgage Questions, Answered.
We understand that you have questions. We’ve compiled a list of the most common inquiries to provide clarity on our services and the mortgage process. If you can’t find your answer here, don’t hesitate to contact our expert team for personalized mortgage advice.
1. What is a mortgage broker and why should I use one?
A mortgage broker acts as a middleman between you and a lender. We provide independent mortgage advice, helping you navigate the market to find the best deal for your circumstances. Unlike going directly to a bank, we have access to a wide range of mortgage products from over 200 lenders, ensuring you get an unbiased opinion and a tailored solution.
2. How much do you charge for mortgage advice?
We typically charge a fee for our mortgage advisory services. The amount of the fee is based on your specific needs and the complexity of your circumstances. We will always discuss and agree on this with you at our earliest opportunity, with full transparency.
3. What is the process for getting a mortgage?
The process starts with a free, no-obligation consultation to understand your financial situation and goals. From there, we will search our extensive network of lenders to find the best mortgage rates for you. We then handle the application process, liaise with lenders, and work to secure a formal offer on your behalf, keeping you informed every step of the way.
4. What information do I need to provide to get a mortgage?
To get a mortgage, you’ll need to provide details about your income (payslips, tax returns), your outgoings (bank statements), your deposit, and personal identification. Our advisors will provide a full list of required documents to make the process as smooth as possible.
5. Do you handle both residential and commercial mortgages?
Yes. Our expertise extends across both the residential and commercial property markets. We offer expert advice on everything from first-time buyer homes to complex commercial property finance and buy-to-let portfolios.