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Our FAQ section is here to help you find clear, concise answers to your mortgage and protection queries. And if you can’t find your questions below, get in touch.
What types of mortgages do you offer?
We provide a full range of mortgage options including first-time buyer, remortgages, and buy-to-let solutions. See our mortgage section for more information
How do I start the mortgage application process?
Simply get in touch with us via phone or email to arrange a free consultation and discuss your needs
What does “porting your mortgage” mean?
Porting your mortgage means transferring your existing mortgage, including rate and terms, to a new property when you move. You still have to reapply, and your lender reassesses affordability, income, credit and the new property
Can I port my mortgage if I’m buying a more expensive property?
Yes. If your new home costs more, lenders typically allow a top‑up loan, but the extra borrowing will be on a new rate, giving you two mortgage parts with potentially two deal end dates
Are all mortgages portable?
Most fixed rate and tracker deals are portable, but approval depends on meeting your lender’s current criteria and the new property passing valuation and lending rules
What is an Agreement in Principle (AIP)?
An AIP can also be known as a Decision In Principle (DIP) and this shows how much a lender may be willing to lend you based on your income, outgoings and credit history. Estate agents and solicitors often request it before accepting an offer
What is a Buy to Let (BTL) mortgage?
BTL mortgages are designed for rental properties. Lenders assess rental income rather than personal income typically and usually require 20–25% deposits
How do rising or changing interest rates affect my mortgage options?
In 2026, mortgage rates are fluctuating regularly due to geopolitical and economic pressures. How this affects you is down to your own circumstances and needs. As such speaking to a broker is a wise first step
What happens if my porting application is declined?
If a lender refuses porting due to affordability or property criteria, you may need to redeem your current mortgage and apply for a new deal perhaps with a new lender. Early repayment charges may apply
Can I port my mortgage to a cheaper property?
Yes, but you still need to pass affordability checks and may have valuation or administrative fees. Downsizing doesn’t guarantee automatic approval
Should I fix my mortgage rate or choose a tracker in 2026?
Fixed rates offer stability during uncertain interest rate environments, while trackers may benefit you if rates fall, but carry the risk of rising payments. Having a discussion with a broker about your needs and circumstances will help you find the most appropriate product for you
How do lenders assess affordability in 2026?
Lenders look closely at real‑life spending, credit commitments, childcare, variable income, and stress‑test repayments at higher interest rates (which vary from lender to lender). Navigating your affordability with the help of a broker is likely the most suitable route in 2026
What deposit do I need as a first‑time buyer?
You’ll usually need a minimum 5% deposit, though 10–20% can be more typical. Schemes like Lifetime ISAs, Shared Ownership and Deposit Unlock can help you get there sooner
Can I get a mortgage with bad credit?
This may be possible. Some lenders specialise in helping people with impaired credit history. Improving your payment history, reducing debt and saving a bigger deposit can potentially help your chances. If you’re unsure what your credit history looks like, it could be a good idea to obtain your credit report. This can be done here
How much can I borrow?
Most lenders offer a multiple of your income, however, in reality, it also depends on spending, debts, commitments and credit history. Brokers can help provide accurate assessments
What documents do I need for a mortgage application?
Expect to provide ID, proof of address, bank statements, payslips or SA302s (self‑employed), and proof of deposit. Lenders use these to assess income stability and affordability. See our helpful videos on this here
What happens when my fixed‑rate mortgage ends in 2026?
With many UK fixed rates expiring in 2026, borrowers may face higher repayments. Starting the conversation with a broker early, we suggest six months before your rate expiry, helps prepare you for the next deal, payments and terms
Why might a lender refuse to allow me to port my mortgage?
Common reasons include: Stricter lending rules since your last application, income changes, higher living costs, poorer credit history, and new property not meeting criteria
What costs should I plan for beyond the mortgage itself?
These often include solicitor fees, valuation fees, stamp duty (England), land building and transaction tax (Scotland), surveys, moving costs and various insurances
How long does the homebuying process take?
Typically 8–12 weeks from offer to completion, though legal checks, surveys or lender processes can extend this. Being in a chain can also add to this timeline
Is 2026 a good time to buy a home?
Despite volatility, modest house price growth and easing inflation mean it could be something to consider provided it fits in with your overall plans. Budgeting carefully and seeking out your personal affordability as early on as possible with a broker is an important step
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