Mortgage Broker in

& Cheshire.

Correct, our service costs you nothing. The FCA-regulated brokers we work with are paid a small fee by the lender when your mortgage completes, but that does not add anything to what you pay. You get the same product and rate you would get by going direct to the lender; the difference is that we do all the work for you, comparing deals, handling the paperwork and managing the application, and the lender pays us for placing the business. So you get whole-of-market advice and someone in your corner, at no cost to yourself.

To get things moving quickly, you will usually need:

• Proof of ID (passport or driving licence)
• Proof of address
• Last 3 months' bank statements
• Last 3 months' payslips
• Or, if you are self-employed: last 2 years' tax calculations and tax year overviews
• Your credit report (optional but helpful)

We will tell you exactly what is needed for your situation and help you gather everything without stress.

A Decision in Principle can be completed the same day. Once we have all your documents, your full mortgage application is usually submitted within 48 hours.

For remortgages, the typical timescale is around 6 weeks from start to finish. For purchases, the usual timescale is 10 to 15 weeks; most delays come from the legal process, as the mortgage offer itself is normally issued quickly.

Yes. We work on a whole-of-market basis, so the brokers we introduce you to can access deals from a wide range of lenders, including high-street banks, specialist lenders and niche providers. That way you get the most suitable option, not just the easiest one.

Absolutely. Whether you are switching to a new lender for a better rate or staying with your current lender on a product transfer, we will compare all your options and handle the process for you. We can also help with raising additional funds, home improvements and consolidating debt where appropriate.

A Decision in Principle usually involves a soft search, which does not affect your score. A full mortgage application may involve a hard search, which can leave a mark on your credit file, but this is normal and expected. We will always explain what type of search is being used before anything is submitted.

Yes, and it is one of the most important parts of what we do. A mortgage protects the lender's loan, but the right protection looks after you and your family. Through the FCA-regulated protection advisers we work with, we can arrange life insurance, critical illness cover and income protection, so that if illness, injury or worse should happen, your home and your loved ones stay financially secure. We will review any cover you already have, explain your options in plain English and tailor a plan to your budget, with no pressure and no jargon.

Yes. Being self-employed does not usually mean you need a specialist lender. Plenty of mainstream lenders are happy to lend to the self-employed; they simply assess your income differently. With adverse credit it depends on the severity: minor blips are often fine with mainstream lenders, while heavier credit issues may call for a specialist. This is exactly why it pays to speak to a broker, who will know which lenders suit your circumstances and can place you with the right one first time rather than risking a decline.

We act as an introducer only and are not FCA regulated. We connect you with FCA-regulated mortgage and protection brokers who provide the advice and are fully authorised.