Frequently Asked Questions

A mortgage adviser searches the market to find mortgage products suited to your circumstances, explains your options, helps you apply, and guides you through to completion. We act as an intermediary between you and lenders, handling paperwork and communications on your behalf.

We work on a "no completion, no fee" basis. You only pay our broker fee when your mortgage completes. We'll explain our fees during your initial consultation so you know exactly what to expect.

It means we're not tied to any specific lender. We have access to high street banks, building societies, and specialist lenders. This lets us search for the best deal for your situation rather than being limited to one provider's products.

A straightforward mortgage application typically takes 4-6 weeks from application to offer. However, this varies depending on the lender, property type, chain complexity, and your circumstances. We'll give you a realistic timeline based on your specific situation.

You can go direct, but using an adviser offers significant advantages: we search the entire market (not just one lender's products), understand complex lending criteria, know which lenders suit different circumstances, and handle the application process for you. We often find deals you wouldn't find yourself.

Typically you'll need: proof of ID (passport or driving licence), proof of address (recent utility bill or bank statement), 3 months' payslips, 3 months' bank statements, and evidence of deposit. Self-employed clients need 2-3 years of accounts or tax returns. We'll provide a complete checklist based on your situation.