Frequently Asked Questions

A mortgage broker acts as an intermediary between borrowers and lenders, helping clients find the right mortgage that suits their needs.

Mortgage brokers have access to a wide range of mortgage products from various lenders, offering you more options and potentially better rates than a single bank. We also act for you.

We guide you through the entire mortgage application process, from gathering necessary documents to submitting your application to the lender and are on hand throughout the process until the mortgage completes.

Common documents include proof of income, credit history, employment verification, and details about the property you’re purchasing.

If you look at our services page you will see the different types of mortgage we offer.
We’ll help you choose the one that best fits your financial goals.

Several factors influence your interest rate, including your credit score, deposit, mortgage type and current market conditions.

As a minimum you will need a 5% deposit. That is 5% of the purchase price of the property.

The approval timeline can vary, but we work efficiently to secure approvals as quickly as possible. Factors like document readiness and lender processing times can influence the duration.

While a higher credit score improves your chances of approval and better interest rates, we can explore mortgage options suitable for your credit situation.

This is where a lender will ask basic questions of you such as name, address, income then run a credit check to see if they would be willing “in principle” to lend you money. This is usually agreed subject to valuation and further checks.

The mortgage company instruct a surveyor to carry out a valuation of the property to ensure it is adequate security for the mortgage they are providing. This is because they need to be sure they can get their money back should repossession need to take place.