How I can help you

My initial consultation is always free. For some mortgage products I receive a commission from the lender, and for others a fee applies. I'll always be clear about this upfront, before you commit to anything.

Yes, in most cases. Lenders assess self-employed applicants differently, and some are much more flexible than others. I know which ones work well for people with variable income, and how to present your finances in the strongest possible way.

From initial conversation to mortgage offer, typically four to six weeks — though it can be faster. The full completion depends on the wider property transaction. I'll keep you updated throughout.

Going direct to a bank gives you access to one lender's products. A whole-of-market broker like me compares hundreds of deals across the market, and can often access rates not available directly to the public.

Often yes. A declined application from one lender doesn't mean you can't get a mortgage, it means that lender wasn't the right fit. I'll look at why you were declined and identify lenders better suited to your circumstances.

If you know you’ll need a mortgage at some point in the future, but not yet, go ahead and sign up for my email list and let me know when you think you’ll need your next loan. I’ll get in touch a few months beforehand and we’ll get going then.

If you know you’ll need a mortgage soon, drop me an email or book a call and we’ll have a 15 minute chat to talk about your situation. After that I’ll get some more details from you and we’ll go from there.

If you’re remortgaging, you want to give yourself at least 3-4 months to make arrangements. If you’re buying a home, we’ll get you a Decision in Principle as you start looking. Once you’ve found a place, we can get you a mortgage offer within a few weeks, but of course overall the process takes longer.

Aim for at least 10% of the purchase price, but 5% is probably doable. Just don’t forget that all of your savings won’t go toward the deposit–you’ll also need to have funds for Stamp Duty, solicitors, and other fees.

 Your income will matter as well, of. Your deposit needs to be big enough to cover the gap between the cost of the property and how much you can borrow.

Absolutely, you can do it yourself. But there are still advantages to using a broker. For one, I’m an adviser who has access to the whole of the market. If you just get a mortgage from your bank, they can only talk to you about their own products. If you want to know what else is out there, you’ll have to do the research yourself.

 But it’s not just about getting the best rate. A good mortgage adviser will do most of the paperwork for you and guide you through the entire process, making sure things get done right the first time. That means fewer surprises and less hassle for you.