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Plain-English answers to the things clients actually ask.

We're writing this properly rather than filling it with the same recycled mortgage articles you'll find everywhere else. First pieces are on the way.

In the meantime

Most of what we'd write about is already answered somewhere on the site.

Deposits, credit files, timescales, how much a broker costs. The ones we get asked most, answered straight.

Why two lenders can look at identical accounts and reach completely different figures.

How day rate lending works, and why being assessed on the wrong numbers costs you.

What lenders actually look at, and why it isn't the score you see on your app.

When to start looking, and whether staying with your lender is the better answer.

The whole thing in the order it actually happens, with none of the jargon.

If there's something you'd like us to write about, tell us. The questions clients ask are better than anything we'd think up on our own.

Ask us anything

Drop us a line and we'll answer it directly, and probably write it up for everyone else too.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.