First-time buyers
From "we've got a deposit" to "we've got the keys." Help to Buy ISA & LISA timing, agreement in principle, surveys, exchange and completion. One adviser from first call to completion.
Plain English →First home, second home, or fifteenth – same adviser, same care.
A directory of what we cover, with a sense of who each route suits and what it usually involves. Click any line for the long version.
CeMAP-qualified adviser from first call through the application.
Based in Manchester, working nationwide.
CeMAP-qualified adviser from first call through the application.
Based in Manchester, working nationwide.
Remortgage
When your fix is ending or you need to release equity. We compare across our panel and run the numbers on a product transfer with your existing lender too – sometimes that wins.
Compare →Buy-to-let & portfolio
Personal & SPV BTL, holiday lets, HMOs, portfolio refinances. Stress tests, top-slicing, ICR – we know the lenders that lend on each setup.
See the options →Self-employed & complex income
Sole trader, limited company director, contractor on a day rate, multiple income streams. Accounts, SA302s, retained profits, dividends – matched to lenders that actually understand them.
Talk it through →Home movers & new builds
Porting your existing deal, simultaneous sale & purchase, builder incentives, shared ownership and staircasing. We coordinate with your conveyancer so timelines line up.
Plan the move →Adverse credit & specialist
Credit blips, IVAs in the past, unusual properties, expat & foreign nationals. We work with specialist lenders for cases the high street says no to.
No judgment →Protection & insurance
Life, income protection, critical illness, family income benefit, buildings & contents – sized realistically to what you'd actually need – nothing more.
Cover it →
Fees · In writing, in advance
A clear fee, agreed up front. No surprises at completion.
We'd rather quote a number on day one and stand by it than hide costs in the small print.
£195
Product transfer – staying with your existing lender on a new deal
£750
All other mortgage applications
There is no fee for protection advice.
Not sure which one fits?
Call us for a short conversation first, or complete the online questionnaire (our fact-find) if you are ready to share the detail. Completing the questionnaire itself does not involve a credit check. No obligation either way.