Absolutely nothing!

Because we can arrange your mortgage without visiting you, this keeps our Carbon Footprint and Costs to a minimum.

If you want us to visit you, there would be a cost, please contact us for further information.

This varies and totally depends on you, the questions you have and your circumstances. Clients typically spend 30 minutes to and hour. If you’re a First Time Buyer it is likely to take longer than an hour as we like to make sure you’re fully informed.

Once we have all the information we require from you, a lenders Decision in Principle (DIP) can take 10 minutes to half an hour.

Once we have all the documents the lender requires, this can be anywhere between 48 hours to 2 weeks.

We personally aim to receive an offer within 1 week of submitting your application which is faster than the industry standard.

We offer a free meeting and sit down to discuss your needs and we’ll make our own recommendations off the information you provide.

We will then do the following:

  • Work out which lender is best suited for your needs and which lender you also qualify with, saving you having to make multiple applications to various lenders.
  • Use each lender’s individual calculators to confirm you fit on their affordability criteria.
  • Then work out what the best rate/overall costs are between a range of products available within the market
  • Offer another meeting to go through the paperwork, saving you having to go through this with the lender for a couple of hours over the phone or in branch
  • Package the case and put it forward to the lender in the best way to enable them to say yes without any problems or delay
  • Document everything and cover the risks should anything be wrong
  • Chase everything through to completion and keep you and your solicitors updated throughout
  • Upload documents they require which saves you having to visit their branch or posting documents
  • Find the cheapest solicitor on the lender’s panel and deal with them directly so you do not have to. This includes us certifying all your documentation so you do not have to visit a solicitor’s office.
  • Keep records on file to make any additional borrowing in the future a quicker and easier transition.

This may sound like a lot but we can assure you we will make the mortgage application process hassle-free and very quick.

Yes, absolutely! If you’re clear of missed payments in the last 3 months, we will have a lender for you. They will not be as cheap as a “High Street” lender but we will work closely with you to keep reducing your interest rate.

A Multi-Tied adviser is someone who has access to a limited amount of mortgage lenders & insurance providers. You’ll often find Estate Agents have Multi-Tied advisers in their branch. They do not charge as much as a Whole of Market adviser but there’s a good reason for that!

A Whole of Market adviser, such as ourselves cover the whole market. If your circumstances are somewhat complex, then you’ll need to use someone who has access to the Whole Market to make sure you’re placed with the most appropriate lender. Whole of Market advisers cost more than Multi-Tied. Only ever pay an adviser on completion. Remember we NEVER charge.

Not at all!

It is a common misconception that Self Employed people are penalised when applying for a mortgage. If you declare your full earnings, you are treated no differently to anyone else.






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Would like to say a big thank you for the professional and very helpful service that you have supplied. Every time we had a question Dan would ensure that he replied as quickly as possible and he would also ensure that we understood everything that we where going through at every stage.

Again a big thank you for guiding us through our re-mortgage.

Glenn H - Grays