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Essentially, a mortgage is a loan that is offered by a lender and is used to help you purchase a home. There are different types of mortgages available but interest will be paid on loan while the loan will be taken out over an agreed period of time.

There are two types of mortgages available and these are known as repayment and interest-only mortgages. The product that is right for you will be determined by your needs and your circumstances.

Once we have gone through your finances, we will then be able to provide you with an amount that you are likely to be able to borrow. Lenders will then carry out an affordability calculation that will consider what you can afford and what your expenditures are.

Yes. The biggest fee is likely to be the arrangement fee and this might also be known as the product fee. However, depending on the product you choose, there might not be any fee. Some lenders might also charge a booking fee while there might be a valuation fee too. However, we will discuss all fees with you when we go through your options because we believe in transparency.

There are many different mortgage deals out there as it is not just high street banks that offer them. Therefore, our team will go through the whole market to find the right deal.

Yes, all of our advisors are qualified and trained to offer 100% independent advice. We only work to your circumstances which means you’ll only receive advice that fits your needs.

Absolutely. All of our advisers are CeMAP qualified and FCA regulated which means that you can put your trust in us.

We always work to your circumstances which means we only ever offer you the right product. As we have access to the whole mortgage market, we always consider the wide range of options that are available to you.

While bad credit can make it more challenging to get a mortgage, our team will do everything possible to find the right lenders who are more likely to offer you a mortgage based on your circumstances.