FAQS

We do not charge advice fees for mortgages or equity release, but we ask that you recommend us to family and friends and to provide a Google review.
We do charge fees for financial planning, investment, and pension advice but all fees will be outlined and agreed to in advance of committing to any of my services.

As an independent, unbiased, whole of market advisers, we have direct access to every lender and some that can only be accessed through a broker.  We can also source deals at a touch of a button saving you lots of work. 

Every lender has its own criteria and requirements  we can find the mortgage that suits you.

Yes, you need to know that you can get the mortgage you need and that it is affordable to you. The agents selling to you need proof that you can obtain a mortgage.

Once you have completed our mortgage questionnaire through our client portal we will arrange this directly with a lender based on our research matching you to their criteria requirements.

The lender will provide you with a certificate which you can show to Estate agents to proving you have been accepted in principle for a mortgage.

If you are buying a new home it's important to make sure you can get the mortgage you need before you start looking for properties.For  existing mortgage holders, we can apply for a new rate up to six months before your current deal matures.  If rates reduce after a product is secured and before your current deal ends, we can apply for that rate too (subject to eligibility).

We have an office in Cheltenham and offer home visits around Gloucestershire or we can work from video/telephone calls.

Depending on your income some lenders offer Retirement mortgages, we will look at your circumstances and find the right lender for you.

Many lenders specialise in lending to the self-employed and Directors, Sole traders & partnerships will be assessed on net profits.  Ltd company directors will be assessed on either a combination of salary and dividends, or salary and their percentage of pre-tax or net profits. 

It is important to have full knowledge of any information on your credit file before applying for a decision in principle or mortgage.  Using our Client Mortgage Portal lets you obtain your credit file information for free.

Yes, this called a ‘ Joint Borrower, Sole Proprietor ‘ mortgage. This can help boost affordability and is a particularly helpful to first time buyers early in careers expecting their salaries to increase.