Residential mortgage advice

Most lenders will let you borrow between 4 and 4.5 times your annual salary, with some going higher, though this depends on your income, outgoings, deposit size, and credit history. We'll give you a clear figure based on your specific situation in a single call.

For a standard residential mortgage, most lenders require a minimum 5% deposit, though a larger deposit usually means a better interest rate and lower monthly payments.

Typically 12 to 16 weeks from offer accepted to completion, depending on the chain and your solicitor.

A fixed rate gives you certainty as your payments stay the same for an agreed period, usually 2 or 5 years. A tracker follows the Bank of England base rate and can go up or down. Fixed rates suit most people, but we'll talk through both options so you can make the right call for your circumstances.

Yes, in most cases. Different lenders take very different views on credit history. Some specialist lenders will consider applicants others would automatically reject. We'll find lenders who take a sensible look at your overall situation.

Usually not. Most of the mortgages we arrange come with no broker fee. For buy-to-let, shared ownership, adverse credit, or mortgages under £100,000, a fee may apply, usually between £295 and £495. We'll always tell you the exact fee upfront, before you commit to anything.

Often, yes. If your income has grown or your property has gained value since your last mortgage, you may be able to borrow significantly more than you did last time. We'll work out exactly what's possible based on your current situation.

Most people take out a new mortgage on their next property. In some cases, you can transfer your existing mortgage to the new property (called porting). We'll look at both options and recommend the right one for you.