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The mortgage application process typically takes between 2-6 weeks, depending on the complexity of your application and the responsiveness of all parties involved. We work diligently to ensure your application is processed as quickly as possible.

Typically, you'll need proof of identity (passport or driving license), proof of address (utility bill or bank statement), proof of income (recent payslips, P60, or accounts if self-employed), and bank statements from the last 3-6 months. We'll provide you with a complete checklist based on your specific circumstances.

Our initial consultation is completely free with no obligation. If you decide to proceed with a mortgage application through us, our fees will be clearly explained upfront. In many cases, we're paid by the lender, but we'll always be transparent about any fees you may need to pay.

While a low credit score can make it more challenging to secure a mortgage, it's not impossible. We work with a wide range of lenders, including some who specialize in applicants with imperfect credit histories. We'll assess your individual circumstances and help you understand your options.