How It Works
Straightforward, independent advice from the first conversation to completion, and beyond. Here's what to expect.
- 1
Talk to us
A no-obligation chat by phone, video call or in person in Farnham about what you want to do, your income, deposit or equity, and any timescales.
- 2
We research the whole market
We compare lenders' rates, fees and criteria (including your current lender if you're remortgaging) to find the options that genuinely fit, not just the lowest headline rate.
- 3
Our recommendation, explained
We explain what we recommend and why, including costs, any early repayment charges and the alternatives we considered, and answer your questions.
- 4
Application and paperwork
You upload documents securely through our client portal. We prepare and submit the application, and deal with the lender's questions.
- 5
Offer to completion
We keep in touch with the lender, your solicitor and estate agents until completion, and make sure your home and family are protected.
- 6
We stay in touch
We'll contact you well before your deal ends to review the market again, so you never need to drift onto your lender's standard variable rate.
What it costs
No fee for our standard mortgage and protection advice
We're paid a commission by the lender when your mortgage completes, and by the insurer when a protection policy starts. It doesn't change the rate or premium you pay, and we'll always confirm how we're paid, in writing, before you commit to anything. Lenders may charge their own fees, such as arrangement or valuation fees, which we'll explain when comparing options.
Documents checklist
Choose what applies to you. Having these ready speeds everything up.
Everyone
Employed
Self-employed or company director
Buying a home
Remortgaging
Landlords
Existing clients can upload documents securely through the client portal. Please don't send documents by ordinary email.
Common questions
Do you charge a fee? +
There is no fee for our standard mortgage and protection advice. When a mortgage completes we are paid a commission by the lender, and when a protection policy starts we are paid by the insurer. This does not affect the price you pay, and we will always confirm how we are paid before you go ahead.
Are you independent? +
Yes. We are whole of market for mortgages, meaning we can recommend products from across the market rather than a limited panel, apart from some deals that lenders only offer directly to the public. We are authorised and regulated by the Financial Conduct Authority (FCA 628264).
How long does it take? +
An agreement in principle can often be arranged within a day. A full mortgage offer typically takes two to four weeks after the application, depending on the lender and the valuation. Remortgages usually complete in four to eight weeks.
Do we have to meet in person? +
No. Many clients prefer phone or video calls and our secure online portal; others like to meet in Farnham. Whichever suits you.
Talk to an independent adviser
We search the whole market, explain your options in plain English, and there is normally no fee for our mortgage advice.