Speak to an adviser first

Thinking of buying a new home? Unsure where to start? You’re in the right place.

What we can offer you.

  • Personalised advice

    I’ll work closely with you to fully understand your goals and circumstances so I can recommend the most suitable mortgage options available. I’ll take care of all the research, comparisons, paperwork, and finding you get the best deal available.

  • Continuous rate monitoring

    I’ll keep a close eye on mortgage rates right up until you exchange. If rates drop, I’ll switch you to the best available deal — ensuring you always secure the most competitive rate possible.

  • Help with your search

    I’ll be onboard right from the beginning - providing property alerts when for new-to-market properties, advice on potential purchases, guidance on making an offer, and even support with negotiations.

  • End-to-end support

    From the day you choose us, to the day you move in, I'll always be a whatsapp, call or email away to answer any questions and make your journey as smooth as possible.

  • Dedicated administrator

    You’ll also have a dedicated administrator working alongside me who will liaise with your solicitors, lenders, estate agents, and surveyors — making sure everything runs efficiently behind the scenes.

  • Personal protection review

    We offer a full personal risk review to ensure your home, income, and family are properly protected and secure in your new home.

  • Complimentary will service

    You’ll have access to a free will service — an important but often overlooked step as you add a huge new asset to your personal estate.

  • Trusted recommendations

    I’ll connect you with experienced and trusted conveyancers, surveyors, and insurance providers, so you can count on reliable professionals to support in every aspect of your move.

  • No hidden fees or extra charges

    Whichever payment option you choose, this fee covers everything.

    Make changes or submit a new mortgage application, or start your search from scratch, it’s all included.

Let's talk - book an appointment now

FAQs

  • There are so many benefits to using a mortgage adviser over going direct...

    • We have access to 90+ lenders, with the ability to compare rates in real-time, and access to deals you won’t find on the highstreet.

    • We’re FCA regulated, and committed to providing clear, honest and impartial guidance throughout.

    • We handle the paperwork, submit your application, liase with the lender, solicitors and estate agents, and manage all the admin to take the stress out of the process.

  • From the very first call, you’ll get personalised advice based on you, not just your numbers.

    Everybody’s circumstances are different, and not every lender will be the right fit. We’ll listen to all your concerns, and talk you through the best options available to you.

    You’d be surprised - there’s very few mortgages we can’t do!

  • We include rate tracking services for all clients as part of our services.

    Mortgage rate tracking means we’ll keep an eye on interest rates for you right up until your new mortgage starts. If a better deal becomes available or rates drop, we’ll revisit your options and can switch lenders if it makes sense for you.

  • Initial Consultation: We assess your financial situation and discuss your goals.

    Agreement in Principle: We secure an initial agreement with a lender, showing what you could borrow.

    Full Application: We gather necessary documents and submit your mortgage application.

    Valuation and Underwriting: The lender assesses the property and your application details.

    Mortgage Offer: Once approved, you’ll receive a formal mortgage offer, allowing you to proceed with your purchase.

  • The deposit amount depends on the type of mortgage and the lender's criteria.

    Some lenders now offer 0% deposits, but typically, for residential mortgages you’ll need at least 5% of the property’s value - though a larger deposit (10% or more) often unlocks better rates.

    For buy-to-let or commercial mortgages, deposit requirements are generally higher, starting around 20–25%.

  • The timeline for getting a mortgage can vary depending on your circumstances and the lender's process. Typically:

    • Agreement in Principle: 1–2 days.

    • Full Application to Offer: 2–4 weeks, but this can vary depending on underwriting and valuation times.

    • Completion: Usually 8-12 weeks after the offer is issued, though this depends on solicitors and other factors.

      Working with a broker can help speed up the process by ensuring your application is accurate and complete from the start. Our brokers are here for you throughout the house purchase and can help in boosting communication between all those involved.