FAQ'S

a) Do you charge for arranging my mortgage ?
No, we do not charge any fees. We are paid a fee by the mortgage provider and full details of that fee are provided to you in writing before we arrange your mortgage.

b) Does it cost me to get mortgage advice ?
No. Any advice that we provide customers is free and is given in good faith on the basis that if you are happy with the advice then you will ask us to arrange your mortgage.

c) Do I have to take insurance to get a mortgage ?
The only insurance you require to take is house buildings insurance. The other insurances that are associated with a mortgage are there for your protection. You need to decide if they are appropriate in your circumstances.

d) Can I get a mortgage if I have a bad credit record ?
There are a number of specialist lenders that we deal with who may be able to help.

e) Are you tied to one or a panel of lenders ?
As independent mortgage advisers we can deal with any lender and will guide you to pick the lender that best suits your circumstances.

f) What does it cost to arrange a mortgage ?
It is not so much what you see as what you don’t see. There are a number of expenses involved from survey and legal fees to arrangement fees and lenders mortgage charges. We will go through all the cost in detail when we meet so that you do not get any surprises.

g) Do we have to see you at your office during the day ?
No, where possible we will arrange to see you at a time and place that suits you.