Frequently Asked Questions
Here you’ll find useful information and answers to frequently asked questions about working with an independent mortgage broker and mortgage & protection advisers. If you can’t find the specific information you are looking for, please use any of the methods on our contact us page to get in touch or call us now on 01480 718719.
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Q: Do you charge for your advice?
A: In most cases, our costs are covered by the commission we receive from a lender. For smaller mortgages, complex cases or shared ownership, we may charge a fee, please contact us for details so we can confirm this upfront.
Q: Do you charge for your advice?
Q: Are you independent?
A: Yes. We’re an independent mortgage broker with no ties to any bank or outside company. All advice is based on what’s most suitable for you and your specific circumstances.
Q: Can you help if I’m a first-time buyer?
A: Absolutely. We’ll guide you through the mortgage process step by step, from your Agreement in Principle (AIP) through to mortgage offer and completion
Q: How much deposit do I need?
A: Most lenders ask for at least 5%, but a bigger deposit can give you access to better mortgage rates. We’ll explain your options based on your budget and the type of property you’re buying.
Q: Can you help with remortgaging?
A: Yes. Whether your fixed rate is ending, you want a better deal, or you’re looking to raise funds (for example, for home improvements), we’ll compare your current lender’s options against the wider market.
Q: Do you also arrange protection, like life insurance?
A: Yes. Our mortgage and protection advisers can recommend life insurance, critical illness cover and income protection to help protect you, your family and your home.
Q: Do you only advise on residential mortgages?
A: No. We also advise on buy-to-let mortgages, shared ownership, and later life lending such as equity release / lifetime mortgages.
Q: What information do I need to get started?
A: We can usually get started with a quick phone call. When it comes to submitting your mortgage application, we’ll typically need proof of income, ID, recent bank statements, and details of your deposit or property. Don’t worry, we’ll guide you through everything step by step.
Q: How long does the mortgage process take?
A: It varies, but most cases take between 2 – 4 weeks from application to offer (sometimes longer depending on the lender, valuation and solicitors). We’ll keep you updated at every stage.
Q: Why should I use a broker instead of going direct to a bank?
A: Banks can only offer their own products, each with different rules and lending criteria. As independent mortgage brokers, we compare lenders side by side to find the most suitable option for your circumstances. Our job is to help you get accepted and secure a deal that fits, not just the first one avai
Protection FAQs
Securing the right mortgage is just the first step; ensuring you, your family, and your home are protected against the unexpected is what delivers true peace of mind. Navigating insurance policies, coverage types, and exclusions can often raise a lot of questions. To help you make informed decisions, we’ve provided clear, honest answers to the most common queries about Life Insurance, Critical Illness Cover, and Income Protection below.
Q: Do I really need life insurance with my mortgage?
A: It’s not compulsory, but it can provide real peace of mind. Life insurance helps ensure your family can keep the home and manage the mortgage if something happens to you.
Q: What types of cover can you arrange?
A: We advise on life insurance, critical illness cover, income protection, family income benefit, business life insurance, and buildings & contents insurance.
Q: How much cover do I need?
A: It depends on your mortgage balance, income, household outgoings and family situation. We’ll help you work out a sensible level of cover based on what you want to protect.
Q: Do I need protection if I already have some through work?
A: Many workplace benefits are limited or may not stay in place if you change jobs. We’ll review what you have and let you know if additional cover is worth considering.
Q: How much does protection cost?
A: It varies depending on age, health and the type of cover. We’ll compare the market to find good value options that match your needs and budget.
Q: What’s the difference between life insurance and critical illness cover?
A: Life insurance pays out if you die during the policy term. Critical illness cover pays out if you’re diagnosed with a serious illness covered by the policy.
Q: What is income protection?
A: Income protection pays a monthly benefit if you can’t work due to illness or injury, helping you keep up with bills and mortgage payments.
Q: Can you review my existing policies?
A: Yes. We can check whether your current cover is still suitable and cost-effective, and recommend changes if needed.
Q: Do you charge a fee for protection advice?
A: No. We do not charge to arrange insurance policies and our advice is included as part of our service.
Q: Will the cover start straight away?
A: Once your application is accepted by the insurer, cover usually starts immediately. We’ll keep you updated throughout the process.
