FAQS.

Buildings insurance  protects the structure of your home—walls, roof, and fixtures—and it is typically a condition of your mortgage lender that this type of cover is in place.

Contents insurance  covers your personal belongings like furniture, gadgets, and valuables inside your home.

For full home protection , many homeowners choose to have both buildings and contents insurance. This combination ensures that your property’s structure and your possessions are fully covered against risks like fire, theft, flood, or accidental damage.

Policy coverage, limits, and exclusions will vary depending on the provider. It’s important to review these details to ensure the policy is appropriate for your circumstances.

Need help finding the right insurance for you? Get in touch!

AIP: Agreement in Principle

DIP: Decision in Principle

It can also be known as MIP: Mortgage in Principle

It’s your first step to buying a home! Find out how it works and why you need it…

An AIP/DIP is a statement from a lender indicating how much they might be willing to lend you based on your financial situation.

It is not a guarantee that a lender will lend you the amount stated, but it can be helpful when house hunting as it shows sellers, you’re serious about buying. It can also help make the mortgage  application process quicker when you put in an offer.

Please note: Some lenders carry out a soft credit check for an AIP (which doesn’t affect your score), while others may perform a hard search, which can appear on your credit file.

We love the NHS and the heroes who work within it. However, there is often a long waiting list to use their services and if you or your family became ill, would you be happy to go on a waiting list and wait for NHS treatment? With a Private Medical Insurance (PMI)  policy in force, you could get access too:

• -Reduced waiting times
• Private diagnosis and specialist referrals
• A choice of where you can get treatment
• You can use your cover to pay for scans
• Quick and convenient appointments to suit your schedule
• Virtual GP 24/7
• Prescriptions emailed to you

Want peace of mind with private healthcare? Speak to us today. Your policy can be tailored to match your specific requirements and budget.
 

Yes. A few examples of jobs that are often seen as high risk are: Police, Firefighters, Paramedics, Armed Forces, Scaffolders etc... 

Eligibility for life insurance  in hazardous industries, can depend on your specific role. Providers may ask you additional questions to assess your situation properly. Premiums may be slightly higher to reflect the increased risk and every insurer assesses high-risk roles differently, so it’s important to compare the right providers.

We can connect you with more providers, ensuring that you get the best coverage

Having the right mortgage protection insurance  is essential to ensure that your home and loved ones are financially secure if something unexpected happens.

This includes the right mix of life insurance , critical illness cover  and income protection. 

 We offer a full review of your current policies to check for any gaps or outdated cover.

Not sure if you're fully protected? Let our expert advisers  assess your situation and recommend the right mortgage protection plan for your needs and budget.
 

You can review and make changes to your protection  plan as your circumstances change over time!

Whether you need to increase or decrease your coverage, add or remove beneficiaries, or make other adjustments, we can help you understand your options and assist with updating your plan if appropriate.

It’s important to get in touch  for a protection review following any significant life changes, to ensure your plan continues to meet your needs.

Choosing the right mortgage lender can be a daunting process, but it doesn't have to be. We have access to whole of the market for mortgage lenders, this means that we have hundreds of different lenders to work through to find the right one for you, one that fits within your financial circumstances.

We will work with you to understand your situation and recommend lenders that are appropriate for circumstances.

It can vary between different lenders, as it depends on their turnaround times and other factors such as the complexity of your financial circumstances.

Your dedicated mortgage broker  will submit all the initial required documents to the lender with your mortgage application. The lender can then request further documents to clarify your situation and if they will be able to provide you with a mortgage offer.

Typically, this process can take between 7 to 14 working days, but times can be shorter or longer depending on individual circumstances.

To ensure that you get your mortgage offer as soon as possible, we will communicate with you throughout your mortgage journey, chasing the lender for updates and continually keeping you in the loop!

Yes, being self-employed doesn’t stop you from getting a mortgage. You’ll just need to provide additional information. This is often in regards to additional evidence to verify your income, this could be 1–3 years of accounts, SA302s, or tax returns to show the lender your earnings are stable and reliable.

Many lenders now offer flexible criteria for sole traders, contractors and company directors.

We know it can seem like a challenge when trying to get a mortgage if you’re self-employed but it doesn’t have to be! Don’t hold back on becoming a homeowner because you may think being self-employed is a barrier.

A Buy-to-Let (BTL) mortgage is designed for landlords who want to buy a property to rent out rather than live in. Here's how they work:

• Most BTL mortgages are interest-only, meaning that you only pay the interest each month and repay the full amount at the end of the term.
• Interest rates and fees are typically higher than residential mortgages.
• The amount that you can borrow is based on the expected rental income, not just your personal earnings.
• You’ll usually need a larger deposit.

Looking to invest in rental property? We can help you find the most competitive Buy-to-Let mortgage  deals and guide you through the process from start to finish.