UK mortgage broker for every type of mortgage

No. We don't charge a broker fee on any type of mortgage. Lenders pay us a procuration fee when your mortgage completes, and on eligible cases we share part of it with you as cashback. Lender product fees, valuation and legal costs, and any early repayment charge on your current mortgage, may still apply. We set out every cost before you proceed.

We arrange first-time buyer, home mover, remortgage, product transfer and buy-to-let mortgages, including limited company buy-to-let. We also help self-employed people and contractors, shared ownership and new-build buyers, and people with credit problems. As a whole-of-market broker we search across 90-plus lenders for products available to your circumstances. Some deals are only available direct from a lender, and we'll tell you if that's the case.

Yes. We advise clients in England, Scotland, Wales and Northern Ireland by phone and video. Buying rules differ by nation: Scotland uses Land and Buildings Transaction Tax and Home Reports, Wales uses Land Transaction Tax, and England and Northern Ireland use Stamp Duty Land Tax. We build this into your costs and timeline. Lender choice can be narrower in Northern Ireland.

Yes. We arrange buy-to-let mortgages to buy a rental property and to remortgage one you already own, in your own name or through a limited company. Lenders usually test the expected rent against a stressed interest rate as well as looking at your income, and deposits are often larger than for a home. Most buy-to-let mortgages are not regulated by the FCA.

Cashback is available on eligible cases, including home purchases, remortgages and product transfers. The amount depends on the type of mortgage and the loan size, and we confirm it and the conditions in writing before you proceed. It's paid after your mortgage completes, once the conditions are met, so it can't go towards your deposit or completion costs. It isn't available on every case. Subject to eligibility and conditions; see our cashback terms.

Start about six months before your current deal ends. Many lenders let you secure a new rate three to six months ahead, and starting early leaves time for the valuation and legal work, so you're less likely to slip onto your lender's standard variable rate. Check your early repayment charge first: completing before your deal ends could trigger it.

Yes. Self-employed applicants usually need one to two years' accounts or SA302 tax calculations, and some lenders assess contractors on their day rate. With missed payments, defaults or CCJs, your options depend on how recent and how serious they were. We look at specialist lenders as well as high-street banks, although rates and deposits can be higher.

You don't need to visit. Most clients are advised by phone or video, and you can upload documents and follow your application in your online account. If you'd like to meet in person, you can book an appointment at our office at 10 Hercies Road, Uxbridge UB10 9NA, open Monday to Friday 9am to 6pm and Saturday 9am to 4pm.