Your mortgage questions, answered

Your bank can only offer its own mortgages. As an independent, whole of market broker, we can search over 90 lenders, including specialist lenders that don’t deal directly with the public. Some products are only available directly from lenders, and we’ll tell you if that’s relevant. We also handle the paperwork and keep everyone involved working together.

Yes. Your first 30-minute consultation is free and there’s no obligation to go ahead. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances, and we’ll always explain it before you decide to proceed.

It depends on your circumstances and the lender. Many residential mortgages need at least 5% of the property price, buy-to-let mortgages usually need more, and a bigger deposit can open up more options. Once we understand your situation, we can tell you what deposit you’re likely to need.

There’s no single answer, because every lender works it out differently. They’ll look at your income, regular outgoings, existing credit and credit history. We’ll help you understand what lenders are likely to offer before you start house hunting.

It may still be possible. Some specialist lenders consider applicants with missed payments, defaults, CCJs or other credit problems in their past. Acceptance isn’t guaranteed, but we’ll be honest about your options. Read more about bad credit mortgages.

Yes, many lenders consider self-employed applicants. Most want two years of accounts or tax calculations, but some will look at one year. Read more about self-employed mortgages.

Usually proof of identity and address, recent payslips or your tax calculations and accounts if you’re self-employed, recent bank statements, and evidence of your deposit. We’ll give you a clear list for your situation.

It depends on the lender, how quickly your paperwork comes together, and the solicitors and property chain. We’ll keep you updated at every stage so you always know where things stand.

No. Life insurance, critical illness cover and income protection aren’t compulsory, although buildings insurance is usually a condition of your mortgage. We’ll explain your options so you can decide. Read more about protection.

No. We work by phone, video call and email, at times that suit you, including evenings and weekends. We help clients across Essex and the rest of the UK.