Speak to a Mortgage Adviser

Start with what you want to achieve

Tell the adviser whether you are buying, moving, letting a property or reviewing an existing mortgage. Explain your preferred monthly budget, how long you expect to stay in the property and whether your income or family commitments may change.

A comfortable payment is not necessarily the maximum a lender might offer. Leave room for other housing costs, emergencies and future spending. If you have a mortgage already, bring the balance, current rate and deal-end date.

Information to have ready

A first discussion does not require every document, but accurate figures make it more useful. Requirements vary by lender and circumstances.

• Income and employment details, including variable pay or self-employed trading records.
• Regular commitments, childcare or dependant costs and outstanding debts.
• Deposit or equity estimate and how the deposit was obtained.
• Property details and any known lease, construction or intended-use issues.
• For a landlord, expected rent, existing borrowing and the proposed ownership structure.

Understand the recommendation before proceeding

Ask the adviser to explain why the product fits your stated needs, what alternatives were considered and which lenders or products were outside the available range. Read the illustration, initial rate, fees, reversion rate and any early repayment charges.

You should know when any broker charge becomes payable and how lender commission is disclosed. Do not send sensitive documents to a public comment form or social-media thread; use the document route confirmed by the team.

An enquiry is not approval

An agreement in principle is an indication based on limited checks, not a final offer. The full mortgage application can involve further income, credit and property checks. Tell the adviser promptly if your circumstances change before completion.

If you need an accessible communication method or want to ask about an appointment, contact the team. Our remote service does not imply an office or local adviser in every town.