First-time buyers
Budget planning, scheme eligibility and a clear schedule of costs from deposit to removal van, so the final bill holds no surprises.
Advice starts when you are thinking about a deposit and carries on past the day your first rate ends. Here is how each service works in practice.
Budget planning, scheme eligibility and a clear schedule of costs from deposit to removal van, so the final bill holds no surprises.
We work out whether to port your current deal, pay the early repayment charge or wait, and show each route's cost for the next five years.
A comparison of your lender's retention offer with the wider market, including legal and valuation costs that some products pay for you.
Rental stress tests, portfolio landlord rules and limited-company options explained before you pay for a survey or instruct a solicitor.
Life cover, critical illness and income protection quoted next to the mortgage so your family's home is safe if your income stops.
Bonuses, dividends, contracting and foreign income presented in the form each lender prefers, which often changes the size of the offer.
Your adviser reads the offer document with you, flags conditions and confirms it matches what was recommended.
We send your conveyancer the key facts and a timetable so that searches and surveys are ordered in the right sequence.
We check funds have been released and keep our phones on until the estate agent confirms you have the keys.
Nine months before your deal finishes, we email a fresh comparison and book a short call to decide what to do next.
Not directly. We introduce clients over fifty-five to a specialist adviser we trust and stay involved so that your mortgage plans fit together.
Yes. Tell us the completion date on the first call and we will plan the timetable backwards from it, flagging any delays early.
We explain the reason, repair what can be repaired, and approach a different lender without a second hard search wherever the criteria allow.
Describe your plans in a couple of sentences and an adviser will say which of these routes is closest to your situation.