How we work

When sourcing your perfect mortgage, we operate with 3 simple steps:

Get in touch with one of our advisors for a consultation based on your personal circumstances.
We will apply to our recommended lender on your behalf.
Start enjoying the benefits of your personalised mortgage deal.


A fee of £495 or 1% of the loan amount if greater, is payable on completion. Typically this will be £495.

First time buyer

A home buyer who has never previously owned a property.


We can arrange mortgages to allow you to buy a new home. In addition to a standard purchase, we can arrange Help to Buy, Council Right to buy, and various other types of homeownership schemes.


We can arrange mortgages for the purchase and remortgage of Buy to Let investment properties. Buy to Let can be a good way of investing money in bricks and mortar. Tenants pay rent on your investment property to fund your mortgage payments. Typically an excess sum is received monthly, which can be used to repay the mortgage or supplement your own income.


We can refinance your current mortgage terms for replacement mortgage deals. Not only will we consider the open market for suitable replacements but we can in most circumstances arrange mortgages with your current provider. Whilst remortgaging we can also change the terms of your mortgage and potentially arrange further borrowing.

Personal protection

We can arrange a wide selection of Life, Critical illness and Income/Mortgage protection policies. These policies can be used to protect you against losing your home and/or replacing your family’s income.

Home insurance

Buildings and Contents insurance protects your home and contents against various circumstances. Buildings and Contents insurance can also cover items away from your home.


Each lender will consider your circumstances in their own way before confirming the amount you can borrow. After completing a fact find with us, we will be able to guide you to the most suitable lender.

Ultimately our appointments take as long as you need. Typically an hour would allow us to fully investigate how we can assist you.

Appointments are free and you can have as many as you need. Our fees are chargeable on completion of your mortgage and will be fully disclosed before you agree to proceed.

Typically a lender needs to be able to assess your income and expenditure, credit rating and identity. Common requested items are:

  • Latest 3 month’s payslips- latest 2 years self employed income
  • Latest 3 months Bank Statements
  • Details of current credit commitments/mortgages
  • Passport
  • Driving licence

This list is not exhaustive but will act as a good basis for application. Lenders can ask for various additional proofs during your application.

As Whole of Market mortgage advisors, we have a broad selection of lenders who can cater for most circumstances. Dependent on the severity of your adverse credit, this will dictate the number of interested lenders and then ultimately the available rates for your borrowing.