How It Works: Your Mortgage Journey
From initial enquiry to mortgage offer in four straightforward steps — transparent, jargon-free, and designed around your timeline.
The Four Steps
- 01
Free Eligibility Assessment
Tell us about your situation, credit history, and current circumstances. Our assessment is confidential, no hard credit check, and completely free. Takes just 10 minutes.
- 02
Lender Matching
Once approved, we match you with specialist lenders from our panel of 600+. Each lender has different criteria — we find the ones most likely to say yes to your application.
- 03
Application Support
We guide you through every form, every question. We explain what lenders need to see, help you present your case clearly, and handle all the admin so you don't have to.
- 04
Offer & Completion
Once your lender issues an offer, you're in control. We help with solicitors, valuations, and handover. Your mortgage offer — and your new front door — is within reach.
Frequently Asked Questions
How long does the process take?
Typically 2-4 weeks from initial assessment to mortgage offer, depending on lender processing times and how quickly you can submit required documents.
Will this affect my credit score?
No. Our initial eligibility assessment uses a soft search, which doesn't affect your score.
What happens if I'm rejected by the first lender?
We review the lender feedback and attempt to match you with an alternative lender from our panel who is a better fit for your circumstances.
What does it cost?
Our advice is free. Some lenders may charge arrangement fees as part of their mortgage product — see our Fees page for full detail.
Ready to Start Your Assessment?
- 100% Secure & Confidential
- Response Within 24 Hours
- No Impact on Credit Score