Frequently Asked Questions

Our initial eligibility check uses a soft search only, which is completely invisible to other lenders and has no impact on your credit score. A formal hard search only takes place when you formally proceed with a full application to a specific lender, and we always inform you before this happens.

Most applications receive a formal lending decision within 48 hours of submission. Business loan funds can reach your account within 3–5 working days. Mortgages typically take 4–8 weeks depending on the property chain, valuation and lender processing speed.

Yes — applying is completely free and no-obligation. An arrangement fee may apply on certain products, but it will always be clearly disclosed in your personalised Key Facts Illustration before you commit to anything. There are never any surprise charges.

At the initial stage, very little. Your adviser will provide a full personalised checklist, but typically: photo ID (passport or driving licence), proof of address (utility bill or bank statement), 3 months of bank statements and payslips (employed) or 2 years of tax returns (self-employed), property details for mortgage applications, and 2 years of business accounts for business loans.

Yes. We accept applications from sole traders, partnerships and limited companies. For limited companies, we will require director and shareholder information as part of the application. All business types and trading periods are considered.

Simply click Apply Now anywhere on our website. The online application takes under 10 minutes to complete from any device. Once submitted, a named adviser will contact you — typically within 2 hours during business hours — to confirm next steps.

The minimum deposit is typically 5% of the property value for first-time buyers using certain schemes. Standard residential mortgages generally require 10%. Buy-to-let mortgages typically require 25%. The larger the deposit you can provide, the better your rate will generally be.

Yes. We specialise in self-employed mortgage applications and work with lenders who accept evidence from tax returns, accountant’s certificates and business bank statements. Most self-employed applicants with 1–2 years of accounts are successfully placed.

Most lenders offer between 4 and 4.5 times your annual income, although some specialist lenders can go up to 5.5x for professionals. Joint applications are assessed on combined income. Use our loan calculator for an instant estimate.

Most of our products have no early repayment charges, allowing you to make overpayments or repay in full at any time at no extra cost. Some fixed-rate mortgage products carry a charge during the fixed period — always disclosed upfront.

Yes. We work with specialist lenders who consider all credit histories including late payments, defaults, CCJs and discharged bankruptcies. Each application is assessed individually. A higher-risk profile may result in a higher rate, but does not automatically mean a rejection.

Absolutely. We are fully regulated and registered, and we use 256-bit SSL encryption to protect all data. Your personal information is never sold or shared with third parties without your explicit written consent.