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Yes. We charge a broker fee, payable only once your mortgage offer is issued, so you pay nothing until our job is done. We'll confirm the exact fee before you proceed, so there are no surprises.

Yes. We may receive commission from lenders and insurers for the work we complete. We'll always tell you about this upfront.

We help clients right across the UK by phone and video call, as well as expats and investors living abroad.

Yes. Our team speaks English, Lithuanian and Russian, so you can talk things through in the language you're most comfortable with.

Every case is different, but from first call to mortgage offer usually takes around 6 weeks or more. A full house purchase often takes 6 to 12 weeks or longer, as the legal work usually takes the most time, so choose your conveyancer carefully.

Usually photo ID, proof of address, your last 3 months' payslips and bank statements, and proof of your deposit. If you're self-employed, you'll need tax calculations and tax year overviews or accounts. If remortgaging, your latest mortgage statement too.

Also called an agreement or mortgage in principle, it shows what a lender could be prepared to lend you. It helps you know your budget and shows sellers you're serious. You'll still need a full application and valuation for a formal mortgage offer once your offer on a property is accepted.

Yes, in some cases. Some lenders offer 100% mortgages to renters with a good rent payment history, and others accept deposits from £5,000, 1% or 2%. Family-backed options can help too. See our first time buyer mortgages puslapis.

For your own home, usually from 5%, and less with some specialist products. Buy to let usually needs 25%, sometimes 20%. A bigger deposit opens up more lenders and better rates.

Yes. Many lenders will lend into your 70s, and some go further, so a longer term is often still possible. It depends on your income now and in retirement.

For stamp duty, no. First time buyer relief only applies if you've never owned a home anywhere in the world. Some lenders, however, treat you as a first time buyer for their products if you haven't owned a property for a few years.

Solicitor fees, a survey, any stamp duty, lender fees, our broker fee, and moving costs. We'll go through the full picture with you before you start.

Usually 3 to 6 months, depending on the lender, and sometimes longer for new builds. If it's running out, we can often ask for an extension.

Best not. Even after your offer is issued, a lender may run another credit check before releasing funds, and new borrowing could put your mortgage at risk. Speak to us first.

Yes, if you pass the lender's affordability checks. The 5% stamp duty surcharge for additional properties will apply. See our residential and home mover and let to buy pages.

With a fixed rate, your payments stay the same for an agreed period, which makes budgeting easier. With a variable or tracker rate, your payments can go up or down, often in line with the Bank of England base rate.

It depends on your plans. Fixes usually run from 2 to 10 years. A longer fix gives certainty, but leaving early can mean large early repayment charges, so a shorter deal may suit you if you might move.

By making overpayments. Many lenders let you overpay up to 10% of your balance a year without an early repayment charge. Always check your lender's terms.

There's no single answer. Many lenders lend up to around age 70 at the end of the term, others go further, and there are retirement mortgages too.

Around six months before your deal ends. You can often lock in a new rate early, and we'll keep watching rates in case they fall. See our remortgage puslapis.

Sometimes it's the best option, but not always. We compare your lender's offer with the whole market and can sometimes challenge your valuation to get a better rate.

Yes, with some lenders, even if you rent or live with family. They'll want to be sure it's a genuine rental. See our buy to let mortgages puslapis.

It's mainly based on the expected rent, which usually needs to cover the mortgage payment by 125% to 145% at a stressed rate, depending on the lender and your tax position.

A house in multiple occupation is rented to 3 or more people from more than one household who share a kitchen or bathroom. Larger HMOs with 5 or more people need a licence from the council. See our property investor mortgages puslapis.

Yes, but it's usually treated as a regulated buy to let, and fewer lenders offer it. We'll find the ones that do.

You keep your current home and rent it out on a buy to let mortgage, often releasing equity for the deposit on your next home. See our let to buy puslapis.

Short-term finance, often used for auction purchases, refurbishments or buying before you sell. Unregulated bridging for investment purposes is not covered by the Financial Ombudsman Service. See our bridging finance puslapis.

It depends on your tax position and plans. Lenders usually prefer a special purpose vehicle (SPV) for limited company buy to let. Speak to an accountant about the tax side.

Often, yes. It depends on what happened, when and how much. Specialist lenders look at each case individually. See our prasta kredito istorija paskolos puslapis.

Yes. Lenders assess income in different ways, so the right lender can make a big difference. See our self-employed, company director and CIS contractor pages.

Yes. Some lenders accept a 10% deposit, and from 5% if your partner is British or has settled status. See our visa mortgages puslapis.

Yes, through specialist expat lenders, usually with at least a 25% deposit. See our expat mortgages puslapis.

No, there's no legal requirement, but it's strongly recommended. It means your family isn't left with a mortgage they can't afford if the worst happens.

Often less than people expect. The cost depends on your age, health, lifestyle and the amount of cover. Taking it out younger usually means lower premiums.

Your monthly payment stays the same for the whole policy term, as long as you don't make changes. Reviewable premiums can go up over time.

Yes. Many people combine life insurance, critical illness cover and income protection, and some hold several life policies for different needs.

Yes, at any time. Within the cancellation period (usually 30 days) you'll normally get your premiums back. After that, your cover simply stops when you cancel. Speak to us first, as replacing cover later can cost more.

Usually, yes. It can mean a faster payout without waiting for probate, keep the money outside your estate for inheritance tax, and lets you choose who receives it. See our life insurance and protection puslapis.