If you have a question that isn’t answered here, please get in touch; our team is happy to help.
With a fixed rate your repayments remain the same for a set period, giving you certainty. A variable rate can move up or down based on market factors. We can help you decide which option suits your needs.
While a 20 % deposit is ideal, there are options for lower deposits. Some lenders even waive Lenders Mortgage Insurance (LMI) for certain professions, allowing deposits as low as 5 %. Contact us to see if you qualify and to understand the pros and cons of different structures.
Generally you’ll need proof of income (payslips or tax returns), savings history, identification and details of your expenses and liabilities. We’ll guide you through the paperwork and make the process as simple as possible.
Yes. There are specialised loans for self‑employed borrowers that use alternative forms of income verification such as business financials or accountant declarations. We’ll assess your situation and recommend suitable lenders.
Timeframes vary depending on the lender and complexity of your situation. Conditional pre‑approval can often be obtained within a few days. Full approval after your property is found may take a week or more. We manage the process and keep you informed.
Our service is free to you; we’re paid a commission by the lender when your loan settles.