Mortgage Advice FAQs Straightforward Answers from Your Mortgage Expert

You don’t have to use a mortgage broker. But more and more people are choosing to because lives are busy and you want to save time, money and hassle.A mortgage broker looks at a wide range of lenders - not just one lender or high street banks - and can advise on products you may not have access to directly. This is especially helpful if your circumstances aren’t completely straightforward, or if you want reassurance that you’re making the right choice.We guide you through the process from start to finish, handling the paperwork, liaising with lenders and keeping things moving.

In most cases, we are paid a procuration fee by the lender once your mortgage completes.For some cases, a broker fee may apply. If that’s the case, we’ll always explain this clearly upfront, before you decide whether to proceed. There are no surprises - transparency is really important to us.At Your Mortgage Expert, we don’t get paid a penny until your mortgage completes.That means you’re welcome to speak to us, ask questions and explore your options without any upfront fees or obligation. We believe this approach is fair, transparent, and ensures our advice is always focused on finding the right outcome for you.

Yes. We provide impartial mortgage advice, which means we are not tied to any single lender or limited panel.We work with a broad range of high street and specialist lenders and will recommend a mortgage based on what’s most suitable for your individual circumstances, rather than favouring one lender over another.Our role is to help you understand your options clearly and choose a solution that’s right for you.

Most people start reviewing their mortgage around 6 months before their current deal ends.This gives time to explore options, secure a new rate early if suitable, and avoid slipping onto a lender’s higher standard variable rate (SVR).Even if your deal doesn’t end for a while, it’s worth getting advice early.

This depends on your current mortgage.Some mortgages have early repayment charges (ERCs), which can make switching early less cost-effective. In other cases, remortgaging early can still make sense.If you are interested in remortgaging early, we’ll review your existing mortgage and help you decide whether it’s better to wait or act now.

Our clients choose to remortgage for a wide variety of reasons. Remortgaging can also be used to:Release equity for home improvements Consolidate borrowing Change the length of your mortgage Move to a more suitable lender or productIt’s about finding the most suitable overall solution - not just the lowest mortgage rate

We work with a lot of First Time Buyers. When you buy your first home, you may well have a lot of questions regarding the process. We can walk you through all of this carefully and clearly.Home much you can borrow depends on factors such as:Your income Your deposit Your monthly commitments Your credit historyAs a general guide, many lenders offer between 4 and 4.5 times income, but this varies widely.We’ll assess your full situation and give you a realistic borrowing figure before you start viewing properties.

Some mortgages are available with as little as 5% deposit, but having a larger deposit can open up more options and better rates.We’ll explain what’s available at different deposit levels and help you plan realistically.

We regularly help landlords with Buy to Let mortgages, including limited company and more complex cases.Buy to Let lending works very differently to residential mortgages, so specialist advice can make a big difference.

Yes. Limited Company Buy to Let mortgages are an area we deal with frequently.Not all lenders offer these products, and criteria can vary significantly. We work with lenders who understand these structures and can guide you through the process clearly.

We help many self employed clients, including sole traders, partnerships and company directors. Lenders all assess income differently, so having a mortgage adviser who understands how to present your case is key.We’ll explain what documents are needed and which lenders are most suitable for your situation.

Many of our clients don’t fit a standard box - and that’s where advice really adds value.We help many clients who have variable income, multiple properties, past credit issues or complex employment. We’ll take the time to understand your situation and explore appropriate options.

Timescales can vary depending on your circumstances and the lender involved, but as a general guide:Initial advice and application: typically 1–2 weeks Mortgage offer: usually 2–6 weeks after applicationEvery purchase or remortgage is different, and factors such as property type, valuations and legal work can all affect overall timing.If you’re working to a particular deadline, we’ll talk this through with you early on so you understand what’s realistic and what can be influenced. We’ll manage the mortgage side of the process proactively and keep you updated at every stage, so you always know what’s happening.

Our standard office hours are 9-5, Monday to Friday.However, we offer flexible appointments, including phone and video calls outside of standard office hours.This makes it easier to fit mortgage advice around work, family life and other commitments.