Six doors, one adviser who knows all of them.

No. 2 Tannery Row

First home

You have saved a deposit and you want to know if the maths works before you fall for a flat. We start there.

What we do

• Tell you what you could borrow before you view anything
• Compare 95%, 90% and 85% loan-to-value deals, and the fees that come with them
• Explain gifted deposits, Lifetime ISA bonuses and shared ownership where they apply
• Get an agreement in principle you can show an estate agent

What to have ready

• Photo ID and proof of address
• 3 months of payslips and bank statements
• Details of your deposit and where it came from
• 3 years of address history

Agreement in principleSame day

Typical offer1 to 3 weeks

Typical completion8 to 12 weeks

Book a free call about first home

No. 4 Tannery Row

Moving up

Your home has grown or shrunk around you. We line up the sale and the purchase so neither waits on the other.

What we do

• Compare porting your current deal with taking a new one
• Work out the early repayment charge before you decide
• Use your equity as a bigger deposit and see which band it lands in
• Time the offers so you are not left owning two homes, or none

What to have ready

• Your latest mortgage statement
• Estimated sale price and any agent valuation
• Payslips and bank statements for 3 months
• Plans for the new home, even if rough

Port or switch decision1 call

Typical offer1 to 3 weeks

Chain to completion10 to 16 weeks

Book a free call about moving up

No. 6 Tannery Row

Remortgage

Your fixed rate is ending and the lender's standard variable rate is waiting. The best time to act is months before.

What we do

• Find the best deal from your current lender and the whole market
• Lock in a new rate up to six months before yours ends
• Explain fees, early repayment charges and free legal work
• Raise money for home improvements, carefully, if you need to

What to have ready

• Your latest mortgage statement
• Date your current deal ends
• Payslips or accounts for 3 months
• Estimate of what your home is worth

Start looking6 months before

Typical switch3 to 6 weeks

Free legal workMany lenders

Think carefully before securing other debts against your home. If you borrow more to pay off other debts you may pay more in interest over the long term, and your home may be repossessed if you do not keep up repayments on your mortgage.

Book a free call about remortgage

No. 8 Tannery Row

Self-employed

Sole trader, contractor, limited company director or partner. Your income is real, it just does not come on a payslip.

What we do

• Match you to lenders who count your income the way you earn it
• Read SA302s, tax year overviews and accounts so you do not have to explain them twice
• Show how dividends, salary and retained profit are treated
• Say honestly when it is better to wait a few months

What to have ready

• 2 years of SA302s and tax year overviews, or accounts
• Business bank statements for 3 months
• Contracts or day rate evidence for contractors
• Details of any company loans or dividends

Accounts needed1 to 3 years

Typical offer2 to 4 weeks

ContractorsDay rate basis

Book a free call about self-employed

No. 10 Tannery Row

Buy-to-let

Whether it is your first rental or your tenth, lenders look at the rent first and your income second.

What we do

• Check rental cover, usually 125% to 145% of interest at a stressed rate
• Compare personal and limited company borrowing
• Explain fees, product types and what happens if a tenant leaves
• Plan a portfolio so one lender does not cap you

What to have ready

• Expected rent or tenancy agreement
• Payslips or accounts for 3 months
• A list of properties you already own
• Your deposit and its source

Typical deposit25% or more

Typical offer2 to 4 weeks

Rental cover test125% to 145%

The FCA does not regulate most buy-to-let mortgages. Your property may be repossessed if you do not keep up repayments on your mortgage.

Book a free call about buy-to-let

No. 12 Tannery Row

Protection

A mortgage is a promise to pay for twenty-five years. Protection is how the promise survives illness, injury or the worst.

What we do

• Explain life cover, critical illness cover and income protection in plain words
• Set the amount and term to match your mortgage and your family
• Compare insurers on cost and on how they pay out
• Make it clear you can say no, and still get the mortgage

What to have ready

• Your date of birth and health history
• Your mortgage amount and term
• Your income and any cover from work
• Details of any dependants

QuoteSame call

Typical startOn mortgage offer

ReviewEvery 2 or 3 years

Think carefully before securing other debts against your home. Protection cover is a separate decision and is not required to get a mortgage with us.

Book a free call about protection

Your home may be repossessed if you do not keep up repayments on your mortgage. We usually charge a fee of £495, payable on application. The exact amount depends on your circumstances. We also receive commission from the lender. Timings are typical, not promises.