Ask The Experts

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.

Not at all – we will simply hold the fee until you find another property and then roll it over to pay for your next mortgage application. We will continue to do this until you have a successful application which moves to completion.