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Your Questions, Answered. Your Mortgage, Simplified. Let’s Talk!

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Serving clients throughout the UK (remote consultations available)

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Monday - Friday: 10 AM - 8 PM;
Weekends: By Appointment

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I’m here to assist you with all your mortgage and protection needs. Feel free to reach out if you have questions or want to explore your options. I’m just a call or email away!

FAQ

Frequently Asked Questions

When your mortgage is completed, I receive payment directly from the lender, which means you get expert, independent advice at no cost. This payment is a procuration fee and does not affect your mortgage rate or terms.

I provide mortgage and protection services throughout the UK. I can work entirely remotely via phone and email, or I can arrange face-to-face meetings if you’re located nearby.

The timeline varies depending on your circumstances and the lender, but typically, it can be broken down as follows:

  • Initial consultation to mortgage recommendation: 1-3 days
  • Mortgage application to offer: 2-4 weeks
  • Offer to completion: 4-8 weeks for purchases, 2-4 weeks for remortgages

I’ll keep you updated throughout the process and manage expectations based on your situation.

Common documents include:

  • ID and proof of address
  • The last 3 months’ payslips and the latest P60 (if employed)
  • The last 2-3 years’ accounts or tax returns (if self-employed)
  • The latest 3 months’ bank statements
  • Proof of deposit (for purchases)

I will provide a checklist tailored to your circumstances and the lender’s requirements.

No, I can handle your entire mortgage or insurance application remotely. We can communicate via phone, email, or video call. However, I’m also happy to arrange face-to-face meetings if you prefer.

While life insurance is not usually a legal requirement, most mortgage lenders strongly recommend it. This ensures that your mortgage can be repaid in the event of your passing. I can help you understand your options and find coverage that offers you peace of mind at a competitive price.

I advise on various protection products, including life insurance, critical illness coverage, income protection, home insurance, and landlord insurance. I can also insurance for company directors and partnerships.

Unlike many advisors, our relationship doesn’t end when your mortgage is completed. I’ll stay in touch with regular check-ins and contact you well before your deal expires to discuss remortgage options. I could also be available anytime if your circumstances change or you have questions.

Yes, we specialize in helping clients with various credit histories to find suitable mortgage options.