Mortgage advice that stays with you.

We are paid a procuration fee by the lender on completion; we charge no broker fee on any case. Third-party fees may apply and are always disclosed in writing before you agree to anything.

Most lenders work to roughly 4 to 4.5 times income, with stretch options up to around 5 to 6 times for stronger profiles or specialist lenders. The real number depends on income type, monthly commitments and any dependants. We run a fact-find and tell you, in writing, where you sit.

5% gets you in. 10% unlocks better rates. 15% to 25% opens the broadest part of the market. For buy-to-let it is usually 25% minimum, sometimes 20% on stronger profiles. We work out the right path for your savings position.

Yes. We work with lenders who actually understand company directors, contractors and sole traders. Most cases are placeable. The right lender often depends on whether you draw salary plus dividends, retain profits in the business, or work on day rates.

For a clean residential case, four to six weeks from full application to mortgage offer is typical. Specialist cases such as self-employed, complex income or bridging take longer, often six to ten weeks. We plan around your exchange and completion targets and chase the lender on your behalf.

Lender-issued AIPs typically expire at 30, 60 or 90 days. We refresh, re-stress and re-submit. There is no fee for a refresh and most lenders will issue a new AIP within 24 to 48 hours.

Different lenders have different appetites for the same case. We see the case, we see the lender pool, and we re-route. Self-employed, contractor, adverse credit, complex income, day-rate stretch, expat, interest-only and bridging are all routinely placeable with the right lender.