FAQS.

A mortgage broker acts as a middleman between you and the lender. We assess your needs, compare products from a wide range of lenders, and find the most suitable mortgage for your circumstances. We also handle the application process, saving you time, stress, and potentially money.

Banks can only offer their own products. We have access to a wide range of lenders — including exclusive deals through our network, Quilter Financial Planning, which are not available directly to the public. Our job is to ensure you get the right mortgage, tailored to your situation, with expert advice every step of the way.

We offer a transparent fee structure. In most cases, we charge a fixed advice fee, which we will explain clearly before you proceed. This ensures you know exactly what you’re paying and when.

We arrange residential, buy-to-let, let-to-buy, remortgages, first-time buyer, and specialist mortgages for complex situations. We also help with schemes such as Shared Ownership.

MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Yes — we work with homeowners, investors, and landlords. Whether you’re purchasing your first home, remortgaging an existing property, or expanding your portfolio, we can assist.

It starts with an initial consultation to understand your needs. We then obtain an Agreement in Principle (AIP), gather the necessary documents, submit your application, liaise with the lender and solicitor, and guide you through to completion.

Typically, you’ll need proof of ID, proof of address, payslips or tax returns, bank statements, and details of any existing credit commitments. Self-employed applicants may also need business accounts.

It depends on the lender and your circumstances, but most offers are issued within 2–4 weeks of application. We keep you updated throughout the process.

Yes — we deal directly with the lender on your behalf, keeping you informed so you can focus on your move or investment.

Yes — we have access to specialist lenders who can consider applications with previous credit issues, non-standard income, or unusual property types.