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 typically starts from 5% of the property’s value. However, putting down a larger deposit, such as 10%, 15% or 20%, can give you access to better mortgage rates and more lender options. A higher deposit can also reduce your monthly repayments and improve your chances of being approved.

A mortgage application in the UK usually takes between 2 to 6 weeks from submission to receiving a mortgage offer. The exact timeframe can vary depending on the lender, your personal circumstances, and how quickly documents are provided. Working with an experienced mortgage adviser can help speed up the process and avoid unnecessary delays.

Yes, you can get a mortgage if you are self-employed. Many UK lenders offer mortgages for self-employed applicants, although you will usually need to provide at least 1 to 2 years of accounts or SA302 tax calculations. A mortgage adviser can help identify lenders who specialise in self-employed mortgages and improve your chances of approval.

An Agreement in Principle (AIP), also known as a Decision in Principle, is a statement from a lender showing how much they may be willing to lend you based on an initial financial assessment. While it is not a guaranteed mortgage offer, having an AIP can strengthen your position when making an offer on a property and show estate agents that you are a serious buyer.