The answer to this will entirely depend on your individual circumstances.

Assessments are based on your income - lenders will want to review your income (or combined income if you’re purchasing with a partner or friend) to ensure that the mortgage is affordable for you. If you are a key worker you might even be able to access more competitive mortgage products from some specialist lenders.

As a general rule, lenders will offer around 4.5x the total applicant income, but our expert brokers may be able to help you access more. Visit our ‘how much can I borrow’ calculator for an estimate of what size loan you could access.

It can take between two to six weeks to get a mortgage offer , but this depends on how complex your mortgage application is and the recommended lenders service levels. After you’ve secured your mortgage offer, it takes on average a further 6 weeks to complete and draw down your loan. Once again, this will vary based on the number of properties in the chain and any complications during the conveyancing and legal process of the application.

We don’t charge for initial quotes or recommendations, despite how long this may take us to put together. Our brokers spend a lot of time researching and sourcing the “best rates” for our clients, which doesn’t always mean the cheapest interest rate. Lenders have specific criteria and use different stress-test calculations, so you may be able to source one rate but not another. Our brokers will ask detailed questions to find a deal that suits you. Online mortgage searches may pull up a cheaper rate, but they won’t be able to find one tailored to your needs, experience, or circumstances, so our experience saves you time and hassle.

It might sound simple, but submitting all your documents correctly and in one go is one of the easiest ways to boost your mortgage application. It helps avoid delays later on, where lenders might come back asking for more information, which can cost you time and money.  

Working with a broker means we will review your full application before submitting it. With our experience, we can quickly recognise what lenders are looking for and anticipate the questions they might raise. Answering these in advance should speed up the process for you.  

When purchasing or remortgaging a property for yourself or your family, it’s no small investment. The process deserves to be treated diligently and with the amount of time and consideration it needs,  

Applying for a mortgage can be complex and daunting, particularly with so many lenders and finance options out there to consider. Our mortgage brokers can help speed up this process for you and remove the stress and hassle of the application. They will also give you invaluable advice and support throughout the whole process, giving you the confidence you need, to get the results you want. 

Our residential mortgage brokers are award-winning experts in their field. They have the experience, expertise, and qualifications to support you with your home purchase, remortgage or first-time buyer needs. Their level of knowledge and understanding of the mortgage sector means you can be confident that we’ve recommended the right mortgage product for you. Our team of experts are helpful and friendly and want to source you the best mortgage deal possible. To discuss your home purchase or remortgage plans, get in touch with our residential brokers here.

We have access to all available mortgage lenders and deals on the intermediary market. Our reputation and experience mean that some lenders give us exclusive or semi-exclusive access to products. This means that we have access to mortgages you can't apply for without us. To be sure you're getting the best deal available, speak to our mortgage makers. 

Your financial circumstances, the complexity of your application, and your mortgage requirements will all impact whether it’s better for you to secure a mortgage with a Highstreet bank or a specialist lender. Or, it may just come down to which provider offers the most competitive mortgage deal for you. Our specialist brokers have whole-of-market access and will therefore review all your options to ensure you secure the best rate for your individual needs. 

Generally speaking, specialist lenders offer a more flexible approach to their lending and may be more willing to take a view on more complex applications. Specialist lenders will also have more bespoke criteria to support borrowers. Many specialist lenders are intermediary-only, meaning they don’t deal with borrowers directly. As a whole-of-market broker, our experts will recommend you the best specialist mortgage product deals to suit your needs.