FAQS

Usually 3–6 months before your current mortgage deal ends. This gives us time to secure you a better rate before you roll onto your lender’s standard variable rate (SVR).

A remortgage is when you switch your mortgage to a new deal, either with your current lender (a product transfer) or a new one, to save money or find a deal that suits your needs better.

Yes, that’s called a product transfer. It’s often quicker, but we’ll compare it with other lenders to make sure it’s the best option for you.

It depends. Some lenders offer fee-free deals, while others have arrangement, valuation, or legal fees. We’ll help you weigh up the overall cost, not just the interest rate.

Typically 4–8 weeks, but product transfers can be completed much faster.
 

Yes, sometimes you can combine debts into your mortgage to reduce monthly payments — but we’ll guide you through the pros and cons to ensure it’s right for you.

Most lenders require at least 5–10% of the property price, but the bigger your deposit, the better the rate you may get. There are some lenders that can offer a mortgage with 0% deposit -subject to status.

We can guide you through schemes like First Homes, Shared Ownership, or mortgage deals with low deposits.

We’ll assess your income, outgoings, and credit history, then match you with lenders who suit your situation.

No — there are lenders who work with all types of credit histories. We’ll help you find the right fit