Frequently Asked Questions

🏡 Mortgages

Q: Can I get a mortgage if I’m a first-time buyer?
A: Absolutely. We specialise in helping first-time buyers understand the process, work out how much they can borrow, and find the right lender. You’ll get clear, friendly advice from start to finish.

Q: How much deposit do I need for a mortgage?
A: Most lenders require at least a 5% deposit, but putting down more could get you a better deal. We’ll help you understand your options based on your budget.

Q: Can I get a mortgage with bad credit?
A: Yes, there are lenders who consider applications from people with adverse credit. We’ll explore all your options and guide you toward a solution that works for your circumstances.

Q: What’s the difference between a repayment and interest-only mortgage?
A: A repayment mortgage pays off both the loan and interest over time. An interest-only mortgage covers just the interest, with the loan repaid later. We’ll explain what suits you best.

🏠 Buy-to-Let

Q: Do I need a special mortgage to rent out a property?
A: Yes, you’ll need a buy-to-let mortgage, which is designed specifically for rental properties. We’ll help you understand the deposit, rental income, and lender requirements.

♻️ Remortgaging

Q: When should I remortgage?
A: You might remortgage when your current deal ends, to get a better rate, or to release equity from your home. We’ll review your options and find the best timing for you.

🔓 Equity Release

Q: What is equity release?
A: Equity release allows homeowners aged 55+ to unlock money tied up in their property without selling it. It’s often used to top up retirement income or help family. We’ll guide you through all the pros and cons.

🛡 Insurance & Protection

Q: Do I need life insurance when I take out a mortgage?
A: It’s not a legal requirement, but we highly recommend it. Life cover, income protection, or critical illness insurance can help safeguard your home and family if the unexpected happens.

📞 Working With Us

Q: Do you charge a fee?
A: We’re happy to offer a free initial consultation. A fee of £299 applies to your mortgage advice and we’ll be completely upfront about it before any commitment is made.

Q: How do I book a consultation?
A: Just click on our book an appointment button below to schedule an appointment, give us a call on 01787 209880, or send us a message. We’ll arrange a time that works for you—whether in person, over the phone, or via video.