Mortgages
The whole market, one advisor.
Residential, buy-to-let and remortgage advice from our lending desk, with a decision in principle in days and the paperwork chased for you.
Advice that starts from your outgoings, not a rate table
The cheapest headline rate is rarely the cheapest mortgage. We model the fees, the term and the exit, then recommend one product and say why.
- Residential
First homes, next homes
Purchase and remortgage advice across the whole of the market, including lenders that do not deal with the public directly.
- Buy-to-let
Portfolio and limited company
Rental cover calculations, limited-company structures and portfolio lenders, with the tax questions flagged early.
- Protection
Cover that matches the debt
Life, critical illness and income protection quoted alongside the mortgage, so the cover is right-sized rather than bolted on.
How it works
Fact find
Income, outgoings, credit history and plans, gathered once and securely. We tell you what you can borrow and what it will cost per month.
Recommendation
One product recommended in writing, with the alternatives and the reasons. A decision in principle follows within days.
Application
We submit the application, handle the lender's questions and keep the agent and solicitor informed.
Offer and completion
Mortgage offer checked line by line, funds released on time and a diary note before your rate ends.
Fees, stated plainly
Mortgage and protection advice is provided by our FCA-authorised partners. Some lenders pay a procuration fee to the advisor; where a broker fee applies to your case, it is disclosed in writing before you commit, and a full breakdown of any commission is available on request.
There is no charge for an initial conversation or for a decision in principle.
Every fee is confirmed in writing before you commit, in a plain terms of business letter with no surprises later. Figures on this page are indicative and exclude VAT unless stated. See fees and client money for how we hold and protect money.
Questions we are asked
How much can I borrow?
Most lenders offer around four to four and a half times income, sometimes more for professionals, less where there are existing commitments. We model it properly before you view.
Fixed or tracker?
It depends on how long you will hold the property, your appetite for variable payments and the early repayment charges. We show both over the realistic life of the loan.
Will a credit search affect my score?
A decision in principle uses a soft search that does not affect your score. A full application does leave a footprint, which is why we submit once, to the right lender.
My fixed rate is ending. When should I act?
About six months before the end date. Rates can be reserved early and switched if the market moves in your favour before completion.
Talk to the lending desk.
A decision in principle in days, with no obligation and no cost.