What to expect on your free call
A free, no-obligation conversation to understand where you are and give you an honest answer on what you're likely to be able to borrow. There's no credit check just to talk.
Or call 02922 820 840 · Mon–Fri 9am–5:30pm
A free 20-minute phone call. No obligation, no credit check.
What we'll go through
Your circumstances
Income (employed, self-employed or a mix), your deposit and where it's coming from, any credit history worth knowing about, and your current mortgage if you have one.
What you're trying to do, and by when
First home, moving, remortgaging or a buy-to-let — and whether there's a date driving it, like a deal ending or an offer you've had accepted.
Your priorities
The monthly payment you're comfortable with, how much certainty you want on the rate, how quickly you need to move, and anything else that matters to you.
A realistic view of affordability — and the next step
An honest, plain-English answer on roughly what you could borrow and which kinds of lenders are likely to be a fit. If it isn't placeable yet, we'll say so and tell you what would need to change.
What happens next
Decision in Principle (DIP)
A lender's early indication of what they'd lend you, usually based on a soft credit search. Estate agents will ask to see one before they take an offer seriously. Getting one through us means we choose a lender whose criteria fit your case.
Find the property (or the deal)
Search with a realistic budget. For a remortgage, we aim to have a new deal ready to start when your current one ends.
Full application through to offer
We package the application, deal with the lender and the paperwork, and keep you updated at every stage.
What to have handy
Nothing is required for the call itself — a rough idea of your income and deposit is plenty. If you'd like a Decision in Principle straight afterwards, it helps to have:
- Photo ID (passport or driving licence)
- Last 3 months' payslips — or, if self-employed, your last 2 years' SA302s and tax-year overviews
- A rough list of monthly credit commitments (loans, car finance, cards)
Common questions
Will you credit-check me?
No. An initial conversation involves no credit check at all. If you later apply for a mortgage, the lender will run one — and we'll tell you exactly when that happens.
How long does it take?
About 20 minutes. Longer if your situation has more moving parts and you'd like to go into it.
Do I need documents ready?
No. If you'd like a Decision in Principle straight afterwards it helps to have the items above to hand, but the call itself needs nothing.
What if my situation isn't placeable yet?
We'll tell you that honestly on the call — and what would need to change, and roughly when it's worth talking again.
The whole process, from this call to completion: How it works →
Not booked yet?
You can speak to Phillip before you have found a property.
Or call 02922 820 840 · Mon–Fri 9am–5:30pm
A free 20-minute phone call. No obligation, no credit check.