Yes. Our broker fees are:
We’ll confirm your exact fee upfront, there are no hidden charges.
Borrowing is based on affordability, not just income multiples. While 4.49 to 5 times your salary is a guide, lenders consider your income, spending, mortgage term, and credit profile. Shorter terms mean higher monthly payments, which can reduce your borrowing limit. In some cases, lenders may offer up to 6 or 7 times income, depending on your circumstances.
Lenders assess:
An AIP gives you an early estimate of how much you could borrow. It’s useful for booking viewings or making offers.
We can usually arrange one the same day.
Most lenders require at least a 5% deposit, but putting down 10–25% can improve your rate and product options.
Yes. Lender criteria vary and may include:
We’ll advise on your eligibility and options.
Yes. Many lenders prefer 2 years of accounts, but some will consider 1 year or less, particularly if you’re in a similar role to your previous employment.
We work with:
Some lenders will treat these as employed income depending on how your earnings are structured.
Often, yes. We work with specialist lenders who may consider:
Eligibility depends on how recent and severe the issues are.
Yes. Some lenders will accept these as part of your income. Others may cap them or request proof of regular payments. We’ll guide you accordingly.
Yes. Lenders may require:
Yes. Some lenders accept this with:
Yes – but doing so may cause them to lose first-time buyer status and any future government incentives.
We’ll help you explore alternatives first.
Yes. Be aware:
Most lenders allow mortgages up to age 70 next birthday, based on the oldest applicant. Some go to age 75. Beyond that, we look at pension income or lifetime mortgage options.
Yes. Available for clients aged 55+, based on your age and property value. We’ll walk you through the pros, cons, and alternatives.
Yes. We work with a panel of trusted solicitors and valuers, offering competitive quotes. You’re welcome to use them or appoint your own.
Yes, we can arrange:
Only buildings insurance is required for a mortgage, but the rest is strongly recommended to protect your home and income.
The above is just a guide and not all options are available with the same lender. Once we have identified whats important to you, we can confirm the options available in more detail.