Frequently Asked Questions

---

Yes! Everyone can benefit from advice. We can negotiate on your behalf and help you get the best mortgage and best best decision for your mortgage.

We offer a wide range of mortgage products, including fixed-rate mortgages, variable-rate mortgages, buy-to-let mortgages, self-employed mortgages, and more.

The amount of deposit required varies depending on factors such as the type of mortgage, the lender's requirements, and your financial circumstances. Typically, deposits range from 5% to 20% of the property's purchase price.

A fixed-rate mortgage offers a set interest rate for a specified period, providing stability in monthly payments. A variable-rate mortgage has an interest rate that can fluctuate, potentially affecting your monthly payments.

Yes, it is possible to get a mortgage if you're self-employed. Lenders may require additional documentation to verify your income, such as tax returns and business accounts. 

All lenders have an affordability model they use to assess how much they can lend. Typically you can borrow between 4.5 to 5 x your gross income. However in certain situations you can borrow 5.5 and even 6 x your income. All circumstances are different, its our job to find you the borrowing you need to buy.

The turnaround time from application to mortgage approval is lender specific and dependant on their published service level agreements (SLA). Typically it takes 2 weeks to get the agreement from the start of the process if all the requested documents are readily available.

Required documents typically include proof of identity, proof of income, bank statements, and details of any existing debts or financial obligations.

Yes depending on the bad credit you have? this will dictate the lenders that we can approach. But there is a specialized market for adverse credit lenders here and available to help.

Yes the Government is always trying to stimulate and support the housing market. They work with banks and developers to provide schemes to first-time buyers. Please enquire for further details.