Got a question?

Here are some of the things that people like you have asked our mortgage advisers & will writers

What is a mortgage?

A mortgage is the loan that you take out which is secured against your property that enables you to purchase your home.

The lender will charge you ‘interest’ in return for lending you the money. Therefore, over the term of the mortgage you will need to pay the lender interest, and repay the amount you originally borrowed fully before the agreed mortgage term ends.

The mortgage lender has the option of repossessing your property if you do not keep up with the repayments.

How much can I borrow?

Every lender will be different in their approach to what you can borrow and unfortunately there is no set calculation. The actual amount you’re eligible to borrow will be determined by the cost of the property you wish to purchase, the size of deposit you have, your income and affordability (considering your monthly financial commitments and any future commitments). Refer to our Mortgage Calculator to get an indication of what your monthly mortgage repayments could be.

What is a remortgage?

This is simply swapping the mortgage you have on your current property for another mortgage with a different lender. You may consider this option if your existing mortgage deal has expired, and you wanted to see if a more competitive deal was available. You could also consider this if your circumstances have changed, and you want to borrow more. There are many reasons why you would remortgage but this does not involve moving home.

What is conveyancing?

Conveyancing refers to the legal work completed by the solicitor or conveyancer you choose when buying or selling a property. It’s important to have either a conveyancer or a solicitor already lined up because as a buyer or a seller, you will need this in place to start and complete your transaction.

How do I know which mortgage is right for me?

Our fully qualified mortgage and protection advisers will discuss with you all the key parts of a mortgage and ascertain which are important and beneficial for your circumstances and will then incorporate these into their recommendations for the most suitable mortgage solution. Having access to the whole of the mortgage market enables our Advisers to recommend the perfect mortgage solution for your purpose.


What fees could I incur when taking out a mortgage?

Typically, the list of fees could include:


Valuation fee – charged by the lender to value the property and generally paid up front with your application


Solicitors’ fees – charged by the solicitor to complete the conveyancing transactions on the property. Part of this is paid up front when the solicitors are instructed but the remainder is paid upon completion.


Stamp duty land tax – a tax levied by the government on any property purchase in England or Northern Ireland above £500,000


Land Transaction Tax – is a tax you’re liable to pay when you buy a residential property, or a piece of land in Wales, costing more than £180,000 for your primary residence and more than £40,000 on any additional properties.


Land & Buildings Transactions Tax – is a tax you have to pay when you buy a residential property in Scotland over a certain price.


Lender arrangement fees – charged by the lender for arranging the loan. This can be added to the loan in most circumstances but will therefore increase the size of the loan.


Booking fee – charged by the lender for booking the funds for your mortgage and typically charged up front with your application


Broker fees – may be charged if you are using a broker and payable either up front or on completion

How many mortgage lenders do you search?

We have access to the whole of market, which enables us to recommend the most suitable mortgage lender for your requirements. This can result in you achieving the most competitive interest rate available on your mortgage and /or maximise the amount of borrowing.

What are your opening hours?

Monday – Friday: 9am to 9pm

Saturday: 9am to 5pm

Why should I buy insurance from you instead of going direct?

Our qualified Advisers will undertake a full protection review and ensure that you are aware of the financial risks you have both in terms of your new proposed mortgage borrowing and family exposure, after taking into consideration any existing arrangements you have in place. They will then make a recommendation to address all the risk areas to ensure you have the correct level of cover for your individual needs and that the monthly premiums are affordable to you. As with our mortgages, we have access to the whole of the market, so can recommend the most suitable protection provider for your needs. All of this is completed free of charge.

Will I need to make any trips to your office?

We offer either a face to face or video meeting service, which ever suits your preference. Our offices are located in Mortlake and we have parking facilities within our complex as well as individual private meeting offices. We’d love to meet you!

Can I change my mortgage into an interest only one?

Yes, this is possible but will depend upon each individual’s situation and requirement. Our qualified Mortgage and Protection Advisers can discuss this with you and confirm whether this can be achieved together with the important key points associated with this type of lending.

Want to talk things through?

  1. Call us on

    020 8392 6111

  2. Or send an email to

Questions? Comments? Need to get to the bottom of something? Our advisers can help.

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