Process
How it works
- 01
Tell us the brief
Income, deposit, property, timescales. A 20-minute call or brief email exchange is usually enough to see whether we can help and what the monthly cost might look like.
- 02
We search the market
We are not tied to one bank. We compare lenders and source the best options based on your circumstance and requirements, including specialist lenders that aren't on the high street.
- 03
Recommendation
We discuss your options and help you decide which route to take. You get a clear recommendation, costs, and an illustration.
- 04
Application to offer
We manage the application, chase underwriters, mortgage survey, document review and keep you (and your solicitor) updated. We do all the heavy lifting.
- 05
Offer to completion
Once the offer is in, we're still here to help. We'll liaise with your estate agent, solicitor and assist where needed to get your new mortgage over the finishing line.
Fees
Lenders usually pay us a procuration fee if your mortgage completes. Typically, we do not charge a broker fee as well. We may charge a broker fee where a case has a high level of complexity or workload. We will discuss and agree any fee with you before we give advice. Any agreed fee is payable only once the lender has issued a mortgage offer. Once paid, it is not refundable. If we do not deliver a proceedable mortgage offer, you pay us nothing.