Our Process
How It Works
From first call to completion, here's what to expect
Free Consultation
Tell us about your situation. We'll discuss your goals, income, and any special circumstances over the phone or in person. No obligation and no charge for the initial consultation.
Affordability Assessment
We calculate exactly how much you can borrow based on your income, commitments, and deposit. We'll explain your options clearly.
Market Search
As a whole-of-market broker, we search high-street and specialist lenders to find the right deal for your circumstances. We do the hard work so you don't have to.
Personalised Recommendation
We present you with the best options, explain the pros and cons of each, and recommend the right mortgage for you. No pressure, just honest advice.
Application & Support
We handle the entire application process, liaising with the lender, solicitor, and estate agent on your behalf. We chase everything so you don't have to.
Completion
Your mortgage completes and you get your keys (or your new deal starts). We'll stay in touch to review your options well before your deal ends.
Ready to get started?
Your free consultation is just a phone call away. There's no obligation or charge for the initial consultation. Our broker fee for a straightforward case is £499: £299 on application and £200 on mortgage offer. The £299 is refunded if the mortgage is declined, but not if you withdraw after submission. The fee is £999 where income is complex or there are some credit problems, and £1,499 for heavy adverse credit such as a bankruptcy, as far more work is involved. These are paid the same way: part on application, refundable if the mortgage is declined, and the rest when the mortgage offer is issued. We confirm your fee before you proceed.