The consultation is free and there is no obligation. There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £500.

You are about to make your largest purchase in your life. You want the best people on your team. We are the one for you. We are a customer-focused mortgage broker and will deliver the highest level of professionalism and service to your home buying journey. A free mortgage broker gets paid by the bank only and their advice might be biased towards banks that pay them a higher fee. Also, free mortgage broker often does not provide the same level of service and care to their customers as they need to write tons of mortgages to be profitable, which means they do not treat customer with the attention to detail and care you deserved.

This is what makes us different from other free online mortgage brokers. We never recommend a product based on how much the lender is compensating us. Instead, we provide professional and impartial mortgage advice to ensure you are treated fairly.

Going directly with a bank means you will miss out on other cheaper lenders on the market. Using a mortgage broker often saves you money, and we will also help you relieve the stress of buying a home as we will handle all the research and paperwork for you.

Our mortgage brokers are CeMAP qualified, and we are regulated under the Financial Conduct Authority (FCA). FCA number 1023518.

We are a one-stop-shop for your homebuying journey. We provide protection (insurance) advise, and we also help you with conveyancing and survey for your home.

We offer flexible consultation online or over the phone so you don't have to travel to our office.

A first-time buyer mortgage is a home loan designed for individuals purchasing their first property, often featuring benefits like lower deposits and access to government schemes.

Typically, first-time buyers need a deposit of at least 5% of the property's value. However, a larger deposit can secure better mortgage rates.

Schemes like Help to Buy, Shared Ownership, and Lifetime ISAs assist first-time buyers in purchasing a home. Learn more in our Knowledge Hub.

Lenders typically offer 4.5 to 5 times your annual income. However you might able to borrow much more as a first-time buyer. Use our Affordability Calculator to estimate your borrowing potential.

Stamp duty is a tax on property purchases. In some regions, first-time buyers are exempt up to a certain property value. Check current thresholds in our Knowledge Hub.

A higher credit score can improve your chances of mortgage approval and access to better rates. Learn how to boost your score in our Knowledge Hub.

Fixed rates offer consistent payments, while variable rates can fluctuate. Consider your financial stability and risk tolerance. Contact us for personalized advice.

Beyond the deposit, consider expenses like legal fees, surveys, moving costs, and home insurance. Our Knowledge Hub provides a comprehensive list.

The process typically takes 4 to 8 weeks, but this can vary. Start early to accommodate any delays.

Yes, though your borrowing amount may be limited. Government schemes and lenders with flexible criteria can assist. Explore options in our Knowledge Hub.

An AIP is a lender's indication of how much they'd be willing to lend, based on your financial situation. It's useful when house hunting.

While not mandatory, a broker can provide access to a wider range of deals and offer expert advice tailored to your needs. Contact us to connect with our experienced brokers.

Freehold means you own the property and the land it's on; leasehold means you own the property for a set number of years but not the land. Learn more in our Knowledge Hub.

Yes, many lenders accept gifted deposits, typically from family members. Proper documentation will be required.

A mortgage in principle is an initial estimate of what you can borrow; a formal offer is a binding agreement from the lender after full assessment.

Self-employed applicants may need to provide additional proof of income, such as tax returns and business accounts. Our Knowledge Hub offers detailed guidance.

LTV is the percentage of the property's value that you're borrowing. A lower LTV can lead to better mortgage rates. Calculate your LTV with our Mortgage Calculator.

Many mortgages allow overpayments, which can reduce the loan term and interest paid. Check for any early repayment charges.

If declined, assess the reasons, improve your financial situation, and consider seeking advice from a mortgage broker. Contact us for assistance.

Shorter terms mean higher monthly payments but less interest over time; longer terms have lower payments but more interest. Use our Mortgage Calculator to compare options.