We will take details about your personal circumstances, income, expenditure and your requirements, including any past credit problems, then advice on what options you may have. We review the whole of market for lenders who could help and who will offer the most suitable rates.

Mortgage companies vary a lot in the amount they can offer, types of income they will accept, types of property they will allow a mortgage on, how long they will allow the mortgage over and much more. It is our job to look at all the lenders and advise on which one best fits your circumstances and will hopefully give the mortgage you want.

If you currently have a mortgage and are just looking to get a better rate then we will compare rates from your current lender with rates from other lenders to get the most suitable deal. Often peoples circumstances change and maybe don’t have the same income or maybe not working now.

Even if that is the case you may not have to be stuck on a higher standard variable rate with your current lender, we could try to secure a new lower rate with your current lender for you and they will not normally ask for any income details or do any new credit checks, so even if you don’t think you would be eligible for one, let us try for you at no cost.

We can look to help with First Time Buyers, Home Movers, Re-Mortgage, Customers looking for a better rate from their current lender, Buy to Let, Let to Buy, Buying your council Home and much more.

We can also help with, someone that has Impaired Credit, Self Employed, Sub Contractors, buying from a family member using no deposit. If your are a director of your own we even have lenders that will use your share of the company’s net profits plus your salary as an income, not just what you take out of the company as an income.