1. What is the process for applying for a mortgage?
We start with a free consultation to understand your needs, followed by finding the best mortgage options for you.
3. What is a second charge mortgage?
It’s a loan secured against your property without changing your existing mortgage.
5. How long does the mortgage process take?
The timeline can vary, but on average, it takes 4-8 weeks from application to approval, depending on the complexity of your situation.
7. What happens if my mortgage application is declined?
Don’t worry—our team will review your application, identify any issues, and suggest alternative options to improve your chances of approval.
9. Can I remortgage to consolidate my debts?
Yes, remortgaging can be a great way to manage debts by consolidating them into a single, more affordable payment. We’ll help you find the best option.
2. Can you help first-time buyers?
Absolutely! We specialise in supporting first-time buyers with expert advice.
4. What documents do I need to apply for a mortgage?
Typically, you will need proof of income, bank statements, ID, and details of your current financial commitments. We’ll guide you through the exact requirements during our consultation.
6. Can I get a mortgage if I’m self-employed?
Yes! We work with lenders who specialise in providing mortgages for self-employed individuals. Be prepared to provide additional documentation, such as tax returns and financial statements.
8. Do you charge for your services?
Our initial consultation is free. We will be transparent about any fees before you proceed with our services
10. What is income protection insurance?
Income protection insurance provides financial support if you’re unable to work due to illness or injury. It ensures you have a steady income during difficult times.
