Find Answers Here


Questions About Mortgages

We’ve collated our most frequently asked questions below, but if there’s a question on your mind that we haven’t covered, please get in touch.

What is a mortgage broker?2016-02-28T00:23:02+00:00

A mortgage broker’s job is to find the right mortgage deal for your needs. We have access to many different mortgage products and lenders, so you aren’t just tied to fitting one lender’s criteria, like you would be if you took a mortgage out through a bank or building society. We also deal with the whole application process so you don’t have to worry about the paperwork or admin that’s required. Find out more about the differences between a mortgage banker and a mortgage broker.

Do you charge a fee?2016-02-28T00:28:15+00:00

Yes, we do charge a fee. By charging a fee, we can spend more time advising and supporting you throughout your application, and means our advice can be focused solely on your needs. Your mortgage adviser will be able to tell you what their fee is.

What different types of mortgages are there?2016-02-28T00:29:55+00:00

The two main types of mortgages are fixed rate and tracker.

Fixed rate mortgage – You’ll always pay the same amount each month as your interest rate is fixed for a certain period of time e.g. 2 years, 5 years etc.

Tracker mortgage – The amount of interest you pay can change so the amount you pay each month can also change too.

Will my bad credit history stop me from getting a mortgage?2016-02-28T00:31:42+00:00

Not necessarily. We aim to help everyone get onto the ladder, no matter what your circumstances are. Our specialist advisers will assess your individual needs and make a recommendation that is right for you. Read our article ‘A guide to getting a mortgage with bad credit’ for more information.

How do I work out how much I can afford?2016-02-28T17:57:11+00:00

The amount you can borrow will depend on a few things e.g. the house price, your deposit amount, your monthly expenditure and income.

Use our online borrowing calculator to get a rough estimate of how much you might be able to borrow.

What insurances do I need for a mortgage?2016-02-28T17:59:02+00:00

To be accepted for a mortgage, you will need buildings insurance as a minimum. We recommend you take out the contents part of the insurance with that too (building and contents insurance).

There are other insurances that can protect you and your family from the unknown, such as life insurance, critical illness cover, income protection. Our advisers can talk through these different options so you can decide whether these might be right for you.

Because we play by the book, we would like to tell you that..


There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

Expert Mortgage Advice

Understand the processes behind raising a mortgage and buying your home.

Get In Touch

Our mortgage specialists are available to provide you with the advice you need face-to-face or, if more convenient, over the phone at a time to suit you.


Go to Top