We don't arrange mortgages ourselves. When you get in touch, we pass your details to one of the mortgage brokers we work with, and they take it from there, right through to completion.
When to start looking
A few months before your deal ends is usually a good time. Some lenders let you lock in a new deal in advance. If you're thinking of leaving early, check your mortgage terms first, as there may be an early repayment charge.
Where a broker can help
- Finding a new deal when your current one ends
- Changing your term or your monthly payments
- Borrowing more, for example for home improvements
- Self-employed? They can help with that too
How it works
- Fill in a short form. It only asks a few questions.
- A broker gives you a call. They'll want to understand your situation, and they'll tell you upfront how they're paid and whether there's a fee.
- If you want to go ahead, they do the legwork. The advice, the application and getting it over the line are all handled by them.
Questions
Do I have to wait until my deal ends?
No. Plenty of people start looking a few months before. Just check whether leaving early would mean an early repayment charge.
Will borrowing more cost me more?
Usually, yes. Borrowing more, or over a longer term, means paying more interest overall. The broker will go through the costs before you decide.
Do you give mortgage advice yourselves?
No. We're not authorised by the Financial Conduct Authority, so we can't. Any advice you get comes from the broker.
Does it cost anything to get in touch?
No. If the broker charges a fee, they'll tell you before you agree to anything.
Do you get paid for this?
Yes. If you take out a mortgage through one of our mortgage partners, we get a share of the fee the lender pays them.
What happens to my details?
We keep a record of your enquiry and pass your details to the broker so they can contact you. Our privacy policy has the full details.