Q. Do you charge a brokerage fee?

A. No! We do not charge our clients a fee.

Q. If you do not charge a fee, who pays you?

A. We receive commission from mortgage lenders and insurance providers. The level of these commissions are disclosed to you prior to your application via a Key Facts Document.

Q. What is the best mortgage rate at the moment?

A. This is the most common question that we are asked and one of the hardest to answer. Due to the fact that we have access to the whole of the market, this means that we have access to thousands of different mortgage products. Using our knowledge and experience we will find the best mortgage rate for YOU and YOUR circumstances! Thus the best mortgage product may differ for every individual, dependant on their needs. This is why we offer free and no obligation consultations in order to provide you with an accurate idea of the best mortgage rate for you.

Q. Why use a broker rather than going to my bank?

A. Most Banks and Building Societies will only provide you with information on their own products. In order to compare mortgages you would need to contact each bank individually and by the time that you have done this, the first information you obtained may be out of date. As a brokerage we can provide you with accurate information from all lenders simultaneously. Also we can often access mortgage schemes that are exclusive to us, that are not available on the high street.

Another considerable advantage in using us is that we can provide you with a complete service. We pride ourselves on looking after you, the client. This means that we will not merely submit your application for you but we will also chase the lender on a regular basis as well as liasing with Solicitors and Estate Agents if they are involved. Naturally you are our first priority so we act solely in your interest and keep you up to date throughout the process, saving you hours of stress and hassle.

Q. I already have a mortgage, why should I change it?

A. Much like many things in life you should review your mortgage regularly to ensure that you are not paying more than you should be. Also you can fund many things with a mortgage such as home improvements, extending your home and consolidating debts* amongst many others.

*Adding existing debts to your mortgage may both extend the repayment term and increase the overall cost of debt.

Q. Do I need home insurance?

A. Yes! All lenders require buildings insurance to be in place by completion. Another sensible provision would be to insure the contents of your home. As brokers, we are placed to source a suitable policy for you from our broard range of providers. This will also save you time and hassle.

Q. How can I protect my mortgage?

A. As buying your home is one of the biggest financial commitments that you may make, protecting this commitment is extremely important. You can protect your purchase in many different ways including life assurance, health insurance and redundancy protection. There is a wealth of different providers and policies offering many different products. Once again we will provide you with tailored advice to ensure that the correct policy is found for you.

Q. How much will the whole process cost?

A. Once again this is a very common question that we are asked and the answer varies for each client. This is another important reason why you should make an appointment to see us before you start the process in order that we can accurately answer this question for you.