What does a mortgage broker do?
A mortgage broker (adviser) searches the whole market - not just one lender - to find the best mortgage deal that fits your circumstances.
Brokers are FCA-regulated, hold a qualification like CeMap and can help you find the best deal if you have a unique situation or need a higher loan amount:
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bad credit
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if you are on a visa (Tier 2, work visa)
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self-employed
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contractor
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NHS employee
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buying with a low or no deposit
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on benefits
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buying with a guarantor
How many lenders do you access?
We’re are accessing 100+ lenders—including exclusive deals—so you don’t miss out on the best rates. We are a whole of market.
What types of mortgages do you offer?
We cover a wide range:
Fixed-rate, variable-rate, capped, delayed start, tracker mortgages, First-time buyer, remortgage, buy-to-let, self-employed, SPV - Limited company mortgages, Joint Borrower Sole Proprietor - also knows as guarantor mortgages
What is a remortgage?
Remortgaging means switching your current mortgage to a new deal—either with your current lender or a new one. People often do this to avoid the costly Standard Variable Rate (SVR), get a better rate, release equity, or consolidate debt.
Why remortgage before my current deal ends?
When your fixed-rate deal ends, lenders automatically move you to their SVR, which is often much higher. That’s why reviewing your mortgage 4 months before your deal ends helps you avoid SVR and lock in a new rate. If rates drop before your new deal completes, we’ll switch you over to save you money.
Mortgage and Remortgage FAQs
Tailored Support for Your Family’s Journey
How does Loan-to-Value (LTV) affect my rate?
LTV is how much you're borrowing as a percentage of your home's value. A lower LTV (e.g., because your home’s value increased) can help you qualify for better interest rates. For example, an 80% LTV borrower will almost always be offered a cheaper rate than a 95% LTV borrower.
How much can I borrow? Do online calculators give an accurate figure?
It depends on your income, outgoings, credit history, and each lender’s own rules. Most lenders will base it on around 4–5 times your income, but the exact amount can vary a lot depending on your circumstances. That’s why it’s best to get tailored advice rather than rely on a rough estimate.
Online calculators can give you a ballpark idea, but they don’t take into account things like overtime, bonuses, credit commitments, or different lender criteria- how they treat bonuses or overtime. Many people find they can actually borrow more (or sometimes less) once we run the proper checks.
What deposit do I need?
The minimum deposit isn’t the same for everyone – it depends on several factors. Lenders each have their own criteria, and they’ll look at things like your visa or residency status in the UK, your credit history, and your overall affordability. In some cases, you may be able to buy with as little as 5% deposit or even zero deposit, but if your situation is more complex, you may need to put down more. A broker can help match you with the right lender so you know exactly what’s possible for you.
What is a Mortgage in Principle?
A Mortgage in Principle (or Agreement in Principle) gives an indication of how much lenders may lend based on your income and credit history. It strengthens your offer to sellers—but isn’t a guarantee of final approval
Do I need insurance with a mortgage?
Yes—most lenders require buildings insurance, and we strongly recommend:
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Life insurance
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Family benefit insurance
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Critical illness cover
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Income Protection Insurance
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We compare providers and your cover works alongside your mortgage
Can I overpay or pay off my mortgage early?
Yes, most lenders allow up to 10% overpayments per year without penalties. If you do repay early, ERCs might apply depending on your product.
When we advise you on the most suitable mortgage product, we’ll take your future plans into account and recommend the option that fits you best.
Still Got a Question?
Get in touch with us – we’re always happy to answer your questions. Buying a home is a big step, and we make sure our clients feel confident and fully understand the process.
