FAQS.

A fixed-rate mortgage has an interest rate that stays the same for a set period, giving you payment certainty. A variable-rate mortgage can go up or down depending on interest rates, which means your payments may change.

Lenders base this on your income, outgoings, credit profile, and the mortgage product you choose. We’ll give you an accurate borrowing figure after reviewing your details.

An AIP is a statement from a lender confirming how much they’re likely to lend you based on initial checks. It helps you know your budget and shows estate agents you’re a serious buyer.

These are charges by the lender for setting up your mortgage. They can often be added to the loan or paid upfront. We’ll explain all fees so you know the true cost of your mortgage.

Yes — but you may face an early repayment charge. We can calculate whether it’s financially worthwhile to switch early.

We arrange life insurance, critical illness cover, income protection, and home insurance to help protect you, your family, and your property.

While it’s not a legal requirement, we strongly recommend it. Life insurance ensures your mortgage is repaid if you pass away, protecting your loved ones from financial strain.

Income protection pays you a regular income if you can’t work due to illness or injury, helping you cover bills and mortgage payments.

Yes — critical illness cover pays a lump sum if you’re diagnosed with a serious condition such as cancer, stroke, or heart attack. We tailor policies to suit your needs.

Yes — we can arrange comprehensive buildings and contents cover to protect your home and possessions.