OUR PROCESS
How It Works: Your Mortgage Journey
From initial enquiry to mortgage offer in four straightforward steps — transparent, jargon-free, and designed around your timeline.
01
Free Eligibility Assessment
Tell us about your situation, credit history, and current circumstances. Our assessment is confidential, no hard credit check, and completely free. Takes just 10 minutes.
02
Lender Matching
Once approved, we match you with specialist lenders from our panel of 600+. Each lender has different criteria — we find the ones most likely to say yes to your application.
03
Application Support
We guide you through every form, every question. We explain what lenders need to see, help you present your case clearly, and handle all the admin so you don’t have to.
04
Offer & Completion
Once your lender issues an offer, you’re in control. We help with solicitors, valuations, and handover. Your mortgage offer — and your new front door — is within reach.
QUESTIONS ANSWERED
Common Questions
How long does the process take from start to offer?
Typically 2-4 weeks from initial assessment to mortgage offer, depending on lender processing times and how quickly you can submit required documents. We’ll keep you updated at each step.
Will this affect my credit score?
No. Our initial eligibility assessment uses a soft search, which doesn’t affect your score. Once you’re matched with a lender and ready to apply, a hard search will be done — but only when you’ve agreed to proceed.
What if I’m rejected?
We don’t just disappear. We review the lender’s feedback and try another lender from our panel whose criteria better fit your situation. Our process is about finding the right match, not settling for the first no.
How much does this service cost?
Our advice is free. Some lenders may charge arrangement fees as part of their mortgage product — we’ll explain these upfront so you know exactly what to expect.