Whether you’re buying your first home, remortgaging, moving, or expanding your buy-to-let portfolio, we’ll guide you every step of the way to turn your homeownership dreams into reality.
Got a question we haven’t answered? Contact us for a quick chat.
Generally, you will need at least a 5% to 10% deposit. However, there are various schemes available, even with no deposit (100% mortgages) We can look at your savings and tell you exactly what price range you can target.
Aside from the deposit, you should budget for solicitor fees, survey costs, broker fees and potentially Stamp Duty (though many first-time buyers are exempt!). We will provide a full breakdown of costs upfront so there are no nasty surprises.
It varies, but typically getting a mortgage offer takes 1–3 weeks, and the legal process to exchange contracts can take 8-12 weeks if all goes smoothly, longer if there is a chain or complex legal queries. We work closely with the lender and solicitors weekly to speed this up for you.
Yes, it is often possible! High street banks might say no, but as mortgage advisors, we have access to specialist lenders who look at the bigger picture.
A mortgage is one of, if not the biggest commitments you’ll make in your financial life. However, with so many possible deals out there, it can be hard to work out which would cost you the least.
Our handy mortgage calculator helps, by showing what you’ll pay each month, as well as the total cost over the lifetime of the mortgage, depending on the deal – you just need to input some basic info, such as interest rate and deposit size.
Give it a go! Got questions? Check out our FAQ:
*This is an estimate based on a 4.5x income multiplier. Actual mortgage availability is subject to status and lender criteria.
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