Frequently Asked Questions
Find answers to common questions about mortgages, protection, and our services
Ask a QuestionCommon Questions
It is never too early to book a meeting to discuss your house buying plans, even if you haven't started saving yet. How much deposit you will need will be one of things we discuss. If you are planning to buy a property in the future, now is a great time to book a meeting.
Depending on how complex your situation, we would recommend 30 to 60 minutes for a meeting to go over your plans.
Initial meetings have no cost, but we do charge a fee typical fee of £395 once a mortgage offer is issued but this is after you have found your property and are quite far along in the process.
The amount you can borrow depends on your income, outgoings, credit score, and the lender's criteria. As a general rule, lenders might offer 4–5 times your annual income, but affordability is always individually assessed.
An AIP (or Decision in Principle) is a statement from a lender saying they'd, in theory, lend you a certain amount. It helps show sellers and estate agents you're serious and financially ready to buy.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
Ready to Take the Next Step?
Whether you're buying your first home, looking to remortgage, or need protection and insurance advice, we're here to help. Get in touch today for your consultation.