Question 1

What exactly is a mortgage?

Accepted Answer

A mortgage is a loan that helps you buy a property. You borrow money from a lender, like a bank or building society, and repay it monthly with interest over a set period, usually between 5 and 40 years.

Question 2

How much deposit will you need for a mortgage?

Accepted Answer

You’ll usually need at least 5% to 10% of the property value. If you can put down a larger deposit, you may unlock better rates and more choice. A bigger deposit can also make your application stronger.

Question 3

What does a mortgage broker do, and why use one?

Accepted Answer

A mortgage broker compares lenders for you and helps match you with a mortgage that fits your circumstances. We also explain the process in plain English, help with paperwork, and keep things moving from start to finish.

Question 4

Do you search the whole market for mortgage options?

Accepted Answer

Yes. You’ll get independent advice and access to a wide range of lenders, so we can look beyond one bank and focus on what suits your situation best. That gives you a broader choice and a more tailored result.

Frequently asked questions

What exactly is a mortgage?

How much deposit will you need for a mortgage?

What does a mortgage broker do, and why use one?

Do you search the whole market for mortgage options?

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