You don’t have to use a mortgage broker, but it can save you time, stress, and money.

A broker has access to a wide range of lenders — including some that don't deal directly with the public — and can help you find the most suitable deal based on your circumstances. They also handle the paperwork, liaise with lenders, and guide you through the process from start to finish.

Yes, you can go directly to a bank or building society for a mortgage. However, they’ll only offer you their own products — not compare options across the market.

A mortgage broker can assess deals from a wide range of lenders, including those who don't deal with the public directly. This means you’re more likely to find a competitive rate or a lender who fits your specific circumstances — especially if you're self-employed, have complex income, or a limited deposit.

Our fee is £250, which is only payable once we’ve secured a formal mortgage offer for you. There’s no upfront cost, and we’ll always confirm everything in writing before you proceed.

We also receive a commission from the lender when your mortgage completes. This doesn't affect your deal and is standard across the industry — it simply helps cover the cost of our service.

Lenders typically offer between 4 and 5 times your annual income, but the exact amount depends on your credit history, existing commitments, deposit size, and the type of mortgage you apply for.

A fixed-rate mortgage keeps your monthly payments the same for a set period. A variable-rate mortgage can go up or down — meaning your payments could change depending on interest rates.

Most lenders require at least 5–10% of the property’s value. A larger deposit can help you access better rates and reduce your monthly payments.

On average, it takes 2 to 6 weeks to get a mortgage offer once you've applied, depending on how quickly documents are submitted and how complex your case is.