Ask The Experts

Assuming that you fit the relevant affordability calculations, pass the credit scoring and fit the lenders criteria we do have lenders that will consider lending 5.5 times your sole or joint earnings and some will even consider going higher than this. We are a whole-of-market broker so will check all the available lenders to see who can lend you the most if this is your priority.

We do have lenders who will lend with only a 5% deposit although you should be aware that the higher % deposit you put down the lower the interest rate will be. Interest rates change over each 5% bracket until you get to 35% deposit. It is worth noting also that lender criteria can be stricter with only 5% deposit and their credit scoring system can be harder to pass.

The initial advice and meeting with our broker is always free. If you are happy with the figures provided and want to move forward then a fee does apply. This is dependent on the complexity of your case and a typical fee is £499. The reason we charge a fee is to give you access to the entire mortgage market and 25 years of expertise so that the advice you receive will be tailored to your financial needs. We also have exclusive rates that you can only access through working with us. You will also receive a dedicated case handler to ensure that your case proceeds to completion as quickly and smoothly as possible.