Find the Right Mortgage From 130+ Lenders

Any case outside standard PAYE employment, standard construction, and clean credit is broadly complex. Self-employment, contractor income, company director structures, adverse credit, non-standard property types, high values above £1m, portfolio landlord structures, and foreign national status all require specialist lender selection.

For most residential mortgage products, a broker costs no more than going direct - fees are paid by the lender on completion. Brokers frequently surface better rates than borrowers find by approaching lenders directly, because brokers have access to the full lender panel including specialist products not available direct.

Same working day in most cases. A mortgage in principle (MIP) from a suitable lender can typically be arranged within hours of initial consultation, providing documentary confirmation of your borrowing capacity for property searches.

Yes - Scottish, Welsh, and Northern Irish properties are all covered. Scottish mortgage law differs from English law and requires Scottish-qualified solicitors; we manage this process through our lender network.

5% (95% LTV) for residential mortgages from some lenders under the Mortgage Guarantee Scheme. 20-25% for most buy-to-let mortgages. 30-40% for some specialist adverse credit or non-standard property cases. Our free LTV calculator models the impact of different deposit sizes on your rate and lender options.