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.

Our fees are based on the complexity of the transaction.

• The simpler the transaction, the lower the fee.

• The more complex and time-consuming the case, the higher the fee.

Residential transactions would be priced differently to bridging, commercial, buy-to-let, and self-build cases. A simple residential case may be around the £700 mark, where a complex one might be more like £1,500-£2,500.

Factors such as employment type (particularly self-employment), currency of earnings, lender type, repayment type, and more can affect our fee.

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.