What sets us apart
We look beyond one lender
Whole market access gives you a wider choice of mortgage options. That matters when your circumstances need flexibility, not a one-size-fits-all answer.
We make time for real conversations
We work with mainstream lenders and many specialist providers. That gives you a broader search and a better chance of finding a suitable solution.
Mortgage advice for every stage of your journey
Whether you’re buying your first home, moving, remortgaging or investing in property, we’ll guide you through the mortgage process from your first enquiry to completion.
We can help you understand:
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How much you may be able to borrow
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How much deposit you may need
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Whether another person can be included on the mortgage
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What your estimated monthly repayments could be
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The mortgage options available to suit your circumstances
We also help with buy-to-let mortgages, whether you are an experienced landlord expanding your portfolio or buying your first investment property.
Options may include:
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Personal buy-to-let mortgages
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Limited company buy-to-let mortgages
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Specialist lenders and a range of mortgage terms, including options for older borrowers where available
Age is not always a barrier to securing a buy-to-let mortgage. We can discuss the options available based on your individual circumstances.
Our reviews
Yell
Alastair is fantastic at what he does. Nothing was too much bother, and he explained everything to us so well . He made the whole process very easy, can not recommend this man enough.
Yell
Consumate professional. Extremely knowledgeable in his field. Cut all the jargon and explained things in layman's terms. Achieved the results I desired with no stress. He made the process very easy.
Understanding a Decision in Principle
A Decision in Principle (DIP), also known as an Agreement in Principle (AIP) or Mortgage in Principle, is a non-binding indication from a lender of how much they may be willing to lend based on initial financial information and checks.
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A DIP can:
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Give you an indication of your potential borrowing limit
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Help you understand your likely monthly mortgage costs
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Provide evidence of your ability to seek mortgage finance
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Help demonstrate to estate agents and sellers that you are a serious buyer
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Support you when making an offer on a property
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Potentially speed up your mortgage application once you find a suitable property
We can help arrange a DIP certificate for use when viewing properties and making offers. Validity periods typically range from 30 to 90 days, depending on the lender. Get in touch with us for more information.
Choose a mortgage rate that suits you
Understanding your interest rate options can help you choose a mortgage that fits your budget and appetite for changing payments.
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Fixed-rate mortgages
A fixed-rate mortgage keeps your interest rate unchanged for an agreed period, commonly between one and ten years.
This can provide:
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Greater certainty over your monthly mortgage payments during the fixed period
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Protection from interest rate changes during that period
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Useful budgeting support, particularly for first-time buyers or borrowers with tighter budgets
2. Tracker mortgages
A tracker mortgage usually follows the Bank of England base rate, plus or minus an agreed margin. Your monthly payments can rise or fall as the relevant interest rate changes. This may suit borrowers who are comfortable with fluctuating payments and have sufficient disposable income to manage potential increases.
3. Discounted-rate mortgages
A discounted mortgage offers a variable rate linked to the lender's Standard Variable Rate (SVR). Your payments can increase or decrease if the lender changes its SVR. This option may suit borrowers who can comfortably manage changes in their monthly repayments. When a mortgage deal ends, borrowers may move onto an SVR. We therefore recommend seeking advice before your current rate expires.
Documents we need to arrange your mortgage
The list of documents we will need:
Typically, the initial documents we need to provide you with mortgage advice include:
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3 months' pay slips (13 payslips if paid weekly)
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P60
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Photo ID (Passport OR Driving Licence)
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last three months' bank statements (PDF's & NOT printouts)
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Most recent 'Annual Mortgage Statement' for any existing Mortgages (If you have had a mortgage)
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Copy of your Credit Report (Use the link on on website to obtain this)
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5-year address history
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Credit Report (See link below re: obtaining this)
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If self-employed, then last three years' tax returns & last three years' tax year overviews
Note: When sending documents please make sure your send the complete PDF documents
Protect your income, family and valuable assets
Life can change unexpectedly. We can review your circumstances and help you consider protection for your income, mortgage, family and property.
Personal protection options can include:
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Income protection to help replace part of your income if you are unable to work
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Mortgage protection, including life cover and serious illness protection
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Family protection to help provide financial support for your loved ones
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Private medical insurance
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Buildings and contents insurance
The right protection can help you prepare for financial commitments, including mortgages, loans, credit cards and other regular debts, if your circumstances change.
Keep your home and rental property protected
Your property is likely to be one of your most valuable assets. We can help you arrange suitable insurance and review your cover as your circumstances change.
Home insurance
Mortgage lenders generally require building insurance to protect the property against insured risks such as fire, storm damage, flooding and escape of water.
For owner-occupiers, home insurance can combine buildings and contents cover and may also protect selected belongings away from home.
We can help you:
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Review your buildings and contents cover
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Consider cover for possessions away from home
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Review your policy regularly to reduce the risk of underinsurance
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Access support if you need to make a claim on a policy arranged through us
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Compare available options to find cover suited to your circumstances
Optional extras may include:
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Accidental damage cover for eligible accidental damage
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All-risks cover for valuables away from home, such as jewellery, watches, mobile phones and bicycles
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Home emergency cover for certain emergencies, such as burst pipes, flooding or boiler breakdown
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Legal expenses cover for access to legal support on eligible matters, including consumer disputes and property issues
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Student contents cover when a child moves into university accommodation
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Replacement key cover for lost or stolen keys
Landlord and rental property insurance
Buy-to-let mortgage lenders generally require suitable buildings insurance for rental properties.
Landlord insurance can provide cover tailored to the additional risks and responsibilities associated with letting a property. Depending on the policy, optional extras may include:
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Rent guarantee cover
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Malicious damage cover
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Legal expenses cover
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Support relating to eviction and unauthorised occupation
Contact us for a quote and to discuss the options available for your circumstances.
Making your renewal more manageable
Home insurance premiums can change at renewal. Rising operating costs, repair and rebuilding costs, severe weather, flooding and subsidence claims can all contribute to changes in pricing.
To help manage the cost of your renewal, you may wish to:
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Review your cover around three to four weeks before renewal
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Compare like-for-like cover from other providers
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Consider a higher excess if appropriate
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Remove optional extras you no longer need
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Consider paying annually, as monthly payments may cost more overall
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Check whether you qualify for available discounts, such as those linked to approved locks or alarms
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Ask us to review your options and help negotiate where possible
We have access to a range of home insurance providers and can help you review the available cover to find an option that suits your property and circumstances.
