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Do You Have Any Questions?
You’ll typically need:
- Proof of identity (passport or driving license)
- Proof of address (recent utility bill or bank statement)
- Proof of income (payslips or tax returns if self-employed)
- Recent bank statements
- Details of any debts or financial commitments
The amount you can borrow depends on your income, expenses, credit history, and mortgage type. Most lenders offer between four to four and a half times your annual income. We assess your full financial picture to find the best borrowing potential for you.
Yes, you can. While it may require more documentation, we work with specialist lenders who offer solutions for self-employed clients, contractors, and those with credit challenges. We help you prepare and strengthen your application.
A re-mortgage is when you move your existing mortgage to a new deal, either with your current lender or a new one. This is usually done to save money, access equity in your home, or change the mortgage term.
A Buy-to-Let mortgage is for purchasing a property you intend to rent out. These mortgages often require a larger deposit and the rent must usually cover a certain percentage above the mortgage payments. Whether you're a new or experienced landlord, we can guide you through the process.
Life insurance is not a legal requirement but it is strongly recommended. It provides financial protection for your family, ensuring they can repay the mortgage if something happens to you.
Critical Illness Cover pays out a lump sum if you are diagnosed with a serious condition such as cancer or a stroke. Income Protection provides a regular monthly income if you are unable to work due to illness or injury. We help you decide which cover best fits your lifestyle and needs.
Yes. Lenders typically require buildings insurance as a condition of the mortgage to protect the structure of the property. Contents insurance is not required but is highly recommended to protect your belongings.
Your initial consultation is completely free and without obligation. If any fees apply for mortgage or insurance advice, we will explain them clearly before moving forward.
Banks can only offer their own products. As an independent broker, we have access to a wide range of lenders and insurers. This gives you more choice and a better chance of finding the right product for your specific needs.