We’ll sort the mortgage, YOU make yourself at home.

The amount you can borrow depends on a couple of factors, including how much you earn, how much you spend on commitments, your age and your deposit. We have tools to instantly assess over 90 lenders’ affordability assessments to remove the hassle for you.

As a minimum, you are required to obtain buildings insurance, and this will be a mandatory requirement for every lender. We would also recommend contents insurance, to protect your possessions. 

We would always recommend protecting yourself, your family and your income too. We have access to a panel of top rated providers, all of who have unique features.

Costs can vary depending on circumstances. 

Stamp Duty Land Tax (or LBTT in Scotland) is a tax payable on completion to the Government. There are often different rates payable depending on your status. We would recommend speaking with a conveyancer regarding specifics.

Solicitor/Conveyancer fees are usually based on purchase price and the area of the country you are buying in. We have access to a panel of reputable firms and would be happy to recommend.

Valuation Fees can also vary depending on the lender, purchase price and the type of survey required. Many lenders now offer a free standard valuation as part of the purchase/remortgage application. For more in depth surveys, such as a Homebuyers Report or Building Survey, you can expect to pay between £300-£1500. 

Lenders may charge an arrangement fee for access to a lower, preferential rate. As part of the mortgage journey, our expert adviser will check over 90 lenders and calculate if a mortgage with an arrangement fee is financially viable for you. 

We have the right to charge for our service, and the precise amount will depend on your circumstances, and it will be agreed with you at the start of the application process. A fee of up to 1% is allowed, but a typical fee is £295, and is payable upon offer (which is when your mortgage is approved). This should give you confidence that we are experts at what we do, many brokers will charge a fee on application with no guarantees your mortgage will be approved.

A Buy to Let mortgage is where you buy or remortgage a property for investment purposes, with the intention of it being let out and providing a monthly income.

It may be possible, yes. Each scenario is unique, but we have access to over 90 lenders and many specialise on providing mortgages for clients with less than perfect credit. So if you have had issues such as missed payments, CCJs, defaults, IVAs, Debt Management Plans, or even bankruptcy, please get in touch and our expect advisers can review your options.