Frequently Asked Questions

This depends on your income, outgoings, credit history, and deposit. Most lenders offer between 4–5× your annual income, but we assess your full situation to find your true borrowing capacity.

Typically 5–10% for residential mortgages. A larger deposit usually means better rates and more lender options.

Yes. Most lenders require 1–2 years of accounts or tax returns. We specialise in helping self-employed applicants present their income correctly. 

Usually 4–8 weeks from application to offer, though this can vary depending on the lender and property chain. 

An AIP is a lender’s indication of how much they may lend you, subject to full checks. It strengthens your position when making an offer on a property.

Yes. Remortgaging can reduce your monthly payments, release capital, or move you onto a better rate when your current deal ends. 

Potential costs include arrangement fees, valuation fees, legal fees, and broker fees (if applicable). We provide a clear breakdown upfront.

Protection ensures you and your family can maintain financial stability if you die, become seriously ill, or cannot work due to injury or illness. 

Life Insurance
Critical Illness Cover
Income Protection
Family Income Benefit
Mortgage Protection 

This depends on your mortgage balance, income, dependants, and lifestyle. We tailor recommendations to your personal circumstances.