FAQs

Typically, the mortgage process takes between 8-12 weeks from initial consultation to completion day. This can vary depending on the complexity of your application and how quickly you provide documentation.

With a fixed rate mortgage, your interest rate stays the same for a set period (usually 2-5 years). With a variable rate, your interest rate can change, which means your monthly payment could go up or down. Fixed rates offer certainty; variable rates can sometimes be cheaper but carry more risk.

Yes! While bad credit can make things more challenging, specialist lenders exist for people with CCJs, defaults, arrears, or active debt management plans. I work with these lenders to find you the best possible rate.

A whole of market adviser can recommend mortgages from a wide panel of lenders, rather than being restricted to a single lender or a small panel. While that doesn’t necessarily mean every single lender in the market, it does mean we can compare a much broader range of products and recommend genuinely the right deal for you, not just the deals our firm is paid to push.

Most lenders will lend up to 4.5x your annual household income, though this varies. Factors like credit history, employment history, and deposit size all affect how much you can borrow. We’ll work through this with you during your consultation.

An offset mortgage allows you to link savings to your mortgage. Your interest is only charged on the difference between the two, which can save money and potentially reduce the mortgage term. Ideal if you have savings you want to keep accessible.

Typically: proof of ID, proof of address, recent payslips, last 2 years of tax returns (if self-employed), bank statements, and details of any existing debts. We’ll give you a full checklist after your consultation.

Yes! A growing number of lenders offer mortgages linked to sustainable homes, renewable energy investments, or ethical lending practices. I can help you explore these options.