We can help with any type of finance secured on a property in the UK. Whether you’re buying your first home, moving, refinancing, building, flipping, investing in residential or commercial premises, or more - we can help.

On top of this, we arrange personal insurances such as life insurance, critical illness cover, family income benefit, and income protection.

• We source from the whole of the market to ensure you get the most suitable deal, but that is only part of what we do.

• We manage the process from start to finish, liaising with lenders and solicitors to make the experience as smooth as possible

• We educate and guide you so that you can make the best decision for your long-term goals, potentially saving you money.

• We can be your trusted contact for any questions (no question is too small).

• We can also connect you with key professionals such as solicitors, wealth advisers, equity release specialists, foreign exchange brokers, surveyors, buying agents, selling agents, and more.

At MSP, we know that when you pay for a service, you expect value. Here’s how we work:

• No upfront costs - your first meeting and our initial research across the whole market are free of charge.

• Your fees - are based on the complexity of your case and are only payable if you decide to proceed.  As an example a simple purchase case would be £295 on application and £395 on issue of the mortgage offer.

• Clear terms, no surprises - once we’ve completed our research, we’ll provide indicative terms with a breakdown of your fees, current rates, costs and lender requirements.

• Tailored to your needs - From liaising with current lenders to managing eight-figure portfolios spanning multiple properties and international structures, we offer bespoke support at every stage.

• Support from start to finish – We don't stop at securing you a mortgage offer.  We oversee your mortgage through to completion and continue to review options to ensure you’re always on the most competitive rate.

• Here when you need us – we welcome calls from our clients at any stage, whether for a quick question or more detailed advice.

A residential mortgage or simple buy-to-let will usually take 2–3 weeks to receive an offer from the point we have all documents needed for submission. In some cases, offers can be issued instantly for straightforward applications.

• Bridging loans are usually a few days to 1–2 weeks.

• Specialist residential or buy-to-let with a building society or private bank are usually 4–6 weeks.

• Commercial loans, self-build, and development finance are usually longer.

Timeframes depend on the lender type and the complexity of your case. We will keep you informed of likely timescales once we know the best route for you.

Lenders use two main affordability approaches:

Detailed affordability – based on income, expenditure, age, mortgage term, dependants, and other factors.

Income multiples – traditionally 4–4.5x your income, though some lenders now allow up to 5.5x or even 6x.

Your exact borrowing potential depends on your circumstances. Get in touch for a tailored review.

• Deposit – Typically 5–10% of the purchase price for residential, although some specialist schemes require less.

• Stamp Duty – A significant cost; use our stamp duty calculator for guidance.

• Solicitors’ fees – Budget £2,000–£3,500 for legal fees and searches (we can recommend solicitors).

• Our fees – Based on complexity; disclosed upfront.

• Surveyor fees – £500–£1,500 depending on property type and survey chosen.

• Mortgage valuation fees – Sometimes free, otherwise £300–£2,000 depending on property value.

• Moving costs – Can range from £100 (van hire) to a typical cost of £2,500-£3,000 (traditional home move) with the higher end potentially being £10,000+ (large-scale moves).

Of course! We can recommend trusted local solicitors as well as reputable national firms we have worked with (and used ourselves).

Not always. Often, estate agents do not really require an Agreement in Principle (AIP).

An AIP is the first step toward a full mortgage application — it involves entering your details into a lender’s system for a credit check.

As long as your credit profile is good, our own financial review can be even more valuable - we can outline all your borrowing options, maximum amounts, pricing, and more, and issue a letter to agents confirming your financeability.

If an agent insists, we can still arrange an AIP quickly.

It depends on whether you have an interest-only or repayment mortgage:

• Interest-only: Monthly payments cover just the interest - calculated as (interest rate × loan amount) ÷ 12.

• Repayment: Monthly payments include interest and a portion of the loan balance, so the debt reduces over time. Early years focus more on interest, later years more on capital. The shorter the term, the higher the payments.

Use our repayment calculator to see what your payments might look like.

We work with the whole of the market - over 200 lenders - including high street banks, specialist building societies, private banks, commercial and buy-to-let lenders, and development finance providers.

You can book meetings 8:30 to 5:30 Monday to Friday, meetings outside of these hours may be possible, just ask and we’ll do what we can.