FAQS

Capital and Repayment is when you pay a small amount off your mortgage each month and the remainder is interest for the mortgage you have borrowed. At the end of  the term of your mortgage providing no changes have been made to your mortgage, it would be paid off in its entirety and you would own your home.  Interest Only is where you never repay any of the mortgage (only the interest element) and at the end of the term this must be repaid by a repayment vehicle or sale of property.

Yes, this is potentially something we maybe able to help with. 

This may be possible but it will depend on what this was for, how often and how long ago. There are lenders out there that specialise in this area that we deal with.

There are different types of self employed people out there and yes we can find mortgages for self-employed people.

You may not fit their affordability due to changes in circumstance of their lending policy, but often there are other lenders out there that look at cases differently so it is quite possible.

This will depend on the lender, your circumstances and how quickly you get things to us. This can be as little as 4 weeks but we aim to get an offer out in 6 weeks, we have no control over lenders and valuers but we can assure you we are always chasing this to get the mortgage offers through for our clients as soon as possible.

We are representative of the whole of market. So we can use any lender that will deal with mortgage brokers. If a lender has direct only deals we are unable to provide these, but we may have exclusives ourselves or can find a more suitable rate elsewhere.