Frequently Asked Questions

Frequently Asked Questions

Our FAQ page is here to answer your most common questions about mortgages, insurance, and financial protection. Whether you’re a first-time buyer, looking to remortgage, or need advice on securing the right cover, we’ve got you covered with clear and helpful information.

Trust us with your future.

We are committed to providing expert, personalised advice to help you find the best mortgage and insurance solutions tailored to your needs. With access to a wide range of lenders and insurers, we ensure you get competitive rates and the right protection without any hidden costs. Our dedicated team supports you every step of the way, making the process simple, stress-free, and transparent.

We have a secure portal that is encrypted, you will have access where all documents are uploaded. We will also upload all updates to the portal for ease. We have an App that will allow you to track the progress of your Sale / purchase.

Yes a solicitor is needed, we are able to provide legal support via preferential solicitors if you do not have your own.

Yes, most lenders require buildings insurance as a condition of your mortgage to protect the property against damage. We can help you find the right cover.

Yes, landlord insurance protects against risks such as property damage, loss of rent, and liability claims from tenants, ensuring your investment is covered.

Some of our services are free, while others may include a broker fee, depending on the complexity of your application. We’ll always be upfront about any costs before you proceed.

No, standard Income Protection policies do not cover redundancy, but some insurers offer additional unemployment cover as an optional add-on.

Typically, a 5-10% deposit is required for residential mortgages, while buy-to-let mortgages often require 20-25%. The more you put down, the better the mortgage rates available to you.

Most policies allow you to cover up to 50-70% of your gross income, depending on the insurer and the type of policy you choose.

Simply contact us for a free consultation! Our expert team will assess your needs, compare options, and help you find the best mortgage or insurance solution tailored to your situation.

A fixed-rate mortgage keeps your interest rate the same for a set period, while a variable-rate mortgage can fluctuate based on market conditions, potentially affecting your monthly payments.

Anyone in employment or self-employment can apply, including full-time workers, freelancers, contractors, and business owners. Policies are tailored to suit different working arrangements.

Yes, we work with specialist lenders who consider applications on a case-by-case basis, helping clients with adverse credit find suitable mortgage or insurance

Providing the Best Future for Your Best Living

We are always happy to help, offering expert advice and support to guide you through every step of your mortgage or insurance journey. No matter your situation, we take the time to understand your needs and find the best solution for you.

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