A mortgage adviser helps you find the right mortgage deal based on your financial situation and goals. They compare mortgage products from a range of lenders, explain your options clearly, and recommend the most suitable solution for you. A mortgage adviser will also support you through the full application process, from initial enquiry to mortgage offer, making everything simpler and less stressful.

The deposit required for a mortgage in the UK can sometimes start from around 5% of the property's value, although this will depend on the lender, mortgage product and your individual circumstances. A larger deposit, such as 10%, 15% or 20%, may give you access to a wider choice of mortgage products and potentially more competitive rates.

The time taken to receive a mortgage offer can vary considerably depending on the lender, your circumstances, the property and how quickly supporting documents and information are provided. Some applications progress quickly, while more complex cases can take longer. Your mortgage adviser can help keep the application moving and deal with lender requests as they arise.

Yes. Many lenders offer mortgages to self-employed applicants, although the information required will vary between lenders and according to how your income is structured. You may be asked for accounts, tax calculations, tax year overviews, business bank statements or other evidence of income. A mortgage adviser can help identify lenders whose criteria may suit your circumstances.

An Agreement in Principle can help demonstrate to estate agents and sellers that you have taken an initial step towards arranging mortgage finance, although it is not a guarantee that a lender will approve your full mortgage application.