Frequently Asked Questions

Typically, you can borrow between 4.5 & 5.5x your annual income, but it doesn't stop there. If you're in receipt of child benefit, universal credit, child maintainence etc, this can all be used towards boosting your affordability. Everyone's circumstances are different so reach out for a full affordability assessment.

For a very rough estimate, take a look at this handy mortgage calculator. 

Interest rates are changing all the time. This is why it's so important to use a Mortgage Adviser that has extensive knowledge of the market. We'll be the first to know if interest rates go down, and we'll always monitor your case up to completion to ensure you receive the best rate possible.

We recognise you can go straight to the lender, but you won't know if they are the cheapest and most suited option for you. We're an independent Mortgage Adviser, so we have access to the whole mortgage market and we'll monitor the financial market specifically for your requirements, making sure you have the best deal. We're also there to help with the other parties such as Solicitors, Estate Agents etc. 

Take a look at our article for more information. 

The minimum deposit required for a mortgage is 5%. There are some scenarios where no deposit is required, on schemes such as Shared Ownership, but please reach out for further detail on this.

Firstly, these are known by a few different names - agreement in principle, mortgage in principle, and decision in principle, but they’re all the same thing.

Once you've had your free initial consultation, we'll arrange a decision in principle for you. This involves a soft check on your credit file (which doesn't effect future credit decisions). Please note, this is not a mortgage offer and underwriting will still take place prior to receiving an offer.

We'll look after you from start to finish. To start with, just reach out and we'll get an initial consultation booked in to talk you through the next steps.

Protection is just as important as the mortgage itself. Although it's not a requirement, a mortgage is likely to be the biggest debt you incur in your lifetime. The right thing to do is to make sure that you and your family are protected for this journey.

It all varies. For a standard freehold purchase, it will typically take between 6-8 weeks once your offer has been accepted.  A leasehold purchase is around 10-12 weeks.

It's completely up to you! If you've searched 'mortgage adviser near me', you've probably noticed we're based in Chinnor, Oxfordshire. So if you're local and wanted to meet face to face, let's do that. If you're further afield, or happy to discuss everything over the phone and email, I'm happy with that too.