Process
How it works
- 01
The contract
Day rate, inside or outside IR35, how you are paid, and how long is left. A short call or an email is usually enough to see whether we can help.
- 02
The market
We are not tied to one lender. Some will use a contract rate. Some want payslips or accounts. We compare those routes rather than forcing the income into a salary shape.
- 03
A recommendation
You get the options, the costs and an illustration. The figures on this website are not that recommendation.
- 04
Application to offer
We prepare the case, chase the underwriter and keep you and your solicitor updated.
- 05
Offer to completion
Once the offer is out, we stay on it. Solicitors, agents and the lender still need a point of contact.
Fees
Lenders usually pay us a procuration fee if your mortgage completes. Typically, we do not charge a broker fee as well. We may charge a broker fee where a case has a high level of complexity or workload. We will discuss and agree any fee with you before we give advice. Any agreed fee is payable only once the lender has issued a mortgage offer. Once paid, it is not refundable. If we do not deliver a proceedable mortgage offer, you pay us nothing.