No pressure, no sales pitch. A straightforward conversation about your situation — what you need, what's possible, and whether we're the right fit. We reply within one working day.
The quick answers. The fuller conversation happens when you get in touch.
Your first consultation is free. For mortgage advice, we charge a fixed fee — typically £600 depending on complexity. For protection products, we're paid by providers. All fees are agreed upfront, in writing. No surprises.
We're based in Leicester, but we work with clients across the UK. Most consultations happen over the phone or video call, so location is no barrier at all.
From your first chat to mortgage offer is typically 2–4 weeks. Offer to completion usually takes another 8–12 weeks — but it varies a lot depending on the chain, survey timings, and solicitors.
Quite possibly, yes. Lenders have very different criteria, and a rejection from one doesn't mean others will say no. We'll find out exactly why you were declined and map out the best path forward — even if that means waiting a few months.
One of the first things we'll do is check your credit report. We recommend using Check My File — it shows data from all three credit reference agencies in one place (Experian, Equifax, TransUnion), which gives us the full picture lenders will actually see. You can try it FREE for 7 days, then £14.99/month — cancel online any time.
Please do. Quick questions are absolutely fine. That's what we're here for.