Ask for a no obligation quote tailored to your personal circumstances

There may be a fee for mortgage advice, and the actual amount you pay will depend on your circumstances. The fee can be up to 1%, but a typical fee is 0.3% of the amount borrowed. Generally, the greater the risk to the lender, the higher the interest rate and setup fees.

We assist with various mortgage scenarios, including main residential applications (like Help to Buy and Shared Ownership), buy-to-let(including HMOs), let-to-buy, second homes, further advances/second charges, refinancing, self-build stage payments, bridging loans, and commercial.

Your home is at risk if you do not maintain payments on a loan secured against it. For equity release, always ask for a personal illustration. Ensure you secure the lender’s pre-approval and request ‘permission to proceed’ before paying fees to save time, money, and inconvenience.

Most residential mortgage lenders offer initial incentives such as free valuation, low setup fees, and a reduced or fixed interest rate for a specified period (typically 2, 3, or 5 years). The initial deposit size often influences the interest rate charged and monthly mortgage payment; generally, a larger deposit results in a lower interest rate.

Lenders also consider other factors such as repayment terms, income, commitments, and essential expenditures like utility bills, which reduce affordability. For the self-employed and shareholders of limited companies, some lenders consider net profits or operating profits plus salary when determining affordability if the business has been established long enough.

Your financial history, including any missed payments on a credit card or loan, can significantly impact your interest rate or even lead to a declined application. However, some lenders are willing to consider bankruptcies and repossessions, with the interest rate reflecting the associated risk. Being aware of this can help you take control of your financial future.

Equity release and lifetime mortgages allow customers to remain in their property while releasing equity to pay off a first-charge mortgage or make essential home improvements. We recommend customers always ask for a personal illustration and seek independent legal advice. Understanding the features and risks of these financial products will ensure you are well informed and prepared for any potential outcomes.

Typical bridging loan scenarios include properties purchased at auction and renovated quickly to be converted to a first charge mortgage or securing another property with a definite exit strategy, such as selling another property within a specific timeline. Interest is rolled up, and you will incur valuation, arrangement, and solicitor fees.

If you already own your home, we can help you research a further advance with your current lender or a second charge through an alternative lender to retain your existing low-interest first-charge mortgage or avoid early repayment charges. Second charges often have higher interest rates but can be a worthwhile alternative.

You can be confident that we provide personalized mortgage advice that takes into account your unique circumstances. 

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