Question 1

How does the mortgage advice process work?

Accepted Answer

We start with a no-obligation conversation to understand your circumstances and goals. We then research suitable options across our lender panel, recommend a product tailored to you, and manage the application through to completion — keeping you informed at every stage.

Question 2

How much can I borrow?

Accepted Answer

The amount you can borrow depends on your income, outgoings, credit history and the property value. Your adviser will assess your affordability and provide an indication tailored to your individual circumstances.

Question 3

Is there a fee for your advice?

Accepted Answer

We will explain any fees clearly before you proceed. Some mortgages pay us a commission from the lender; where a fee applies, it will be agreed with you in writing upfront. There is no obligation during your initial discussion.

Question 4

How long does the process take?

Accepted Answer

A typical mortgage application takes around four to eight weeks from submission to completion, though this can vary depending on the lender, property type and your personal circumstances.

Question 5

Will you check my credit file?

Accepted Answer

With your consent, we may perform a credit check to assess your eligibility and match you with suitable lenders. We will always discuss this with you beforehand and explain why it is needed.

Question 6

What documents will I need?

Accepted Answer

Typically you will need proof of identity, proof of address, recent payslips or accounts, and bank statements. Your adviser will provide a tailored checklist once we understand your situation.

Frequently asked questions

Frequently asked questions

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