FAQs

Our Mortgage advisers are CeMAP qualified, FCA regulated and only ever offer independent advice.

• CeMap Qualified Mortgage Advisers
• FCA Regulated
• 100% Independent advice

We are a “Whole of Market” Mortgage adviser. This means we have access to the whole mortgage market, so can offer you the widest range of Mortgage Products and our advice is completely impartial.

• 100% Independent
• No ties to Finance Lenders
• 100% Impartial

Generally, a 5% deposit is the bare minimum. 10% deposit will give you access to a wider range of lenders. A deposit of 15% will usually give better interest rates on the mortgage offers.

There is no general criteria as to mortgage affordability – it varies massively from lender to lender. Which is why you are coming to a professional independent mortgage adviser in the first place!

The main things are

• Deposit
• Income
• Outgoings
• Dependants

You will need to have buildings insurance. Depending on the lenders terms and conditions you may be required to have a life insurance policy, even if not we would recommend a life policy. We would also always recommend a Mortgage payment protection insurance to cover your mortgage payments if you became unwell or had an accident for any reason.

As part of our holistic advice service to you, we would offer you quotes on any and all of the products mentioned.

In a word – don’t!

Speak to more than one Mortgage adviser to see who you should use by all means.

Today is a world of Mortgage lenders continually fighting against increasingly clever mortgage frauds. Multiple identical Mortgage applications from different sources may well flag up suspicions of potential fraud which could delay applications or even make lenders drop any interest in the proposal.

Having some credit problems in the past does not automatically exclude you from getting a mortgage. There are a number of lenders out there who will look favourably on some credit problems in the past.