How does a mortgage advisor get paid?

Mortgage advisors can be paid by commission from the lender, a fee from you, or a combination of both. Your advisor will make their fee structure clear from the outset.

What is 'whole-of-market' mortgage advice?

Whole-of-market means the advisor can search and recommend products from the vast majority of lenders available, rather than being restricted to a limited panel.

Can I get a mortgage with bad credit?

It can be more challenging, but not impossible. Specialist lenders offer options for those with a less-than-perfect credit history. An advisor can help you explore these.

What documents do I need for a mortgage application?

You'll typically need proof of identity, address, income (payslips, bank statements, tax returns), and details of your deposit and property.

Residential mortgage advice

Book Residential mortgage advice

Residential mortgage advice guides you through the complex world of home loans. A qualified advisor assesses your financial situation, lifestyle, and property requirements to recommend the best mortgage product from a wide selection of lenders. This ensures you get a competitive deal that fits your circumstances.

When do you need a Residential mortgage advice?

You need residential mortgage advice when you are buying your first home, moving house, remortgaging to a new deal, or looking to release equity from your current property. It is essential for navigating various lenders and products.

What happens on the day

On the day of your consultation, you will discuss your income, outgoings, credit history, and property details with your mortgage advisor. They will then research and explain the most suitable mortgage options available to you.

How to prepare

Gather details of your income (payslips, tax returns)
List your regular outgoings and debts
Know your available deposit amount
Have an idea of the property price you are looking at
Check your credit report (optional, but helpful)

How to improve your result

Improve your credit score before applying for a mortgage.
Reduce unnecessary spending to improve your affordability assessment.
Save a larger deposit to access better mortgage rates.

Why it is useful day to day

Expert mortgage advice can save you thousands of pounds over the life of your mortgage, ensuring you get the most suitable product with competitive rates and terms, and providing peace of mind.

Why we ask these questions

We ask about your income, employment, debts, and outgoings to accurately assess your affordability and creditworthiness, ensuring we recommend products that you can realistically obtain and comfortably afford. Details of the property are needed to assess loan-to-value and lender criteria.