Frequently Asked Questions

Many lenders offer mortgages starting from a 0% to 5% deposit, although having a larger deposit can often provide access to better interest rates and more lender options.

Yes, potentially. Some lenders are more flexible than others when it comes to missed payments, defaults, CCJs, or historic credit issues. The outcome will depend on the severity, age, and cause of the credit problems, along with your current financial position.

You are not required to use a mortgage adviser, but professional advice can help you understand your options, avoid costly mistakes, and access lenders or products that may not always be straightforward to find yourself.

Mortgage timescales can vary depending on the lender, solicitor, and complexity of the case. On average, the process can take anywhere from a few weeks to a couple of months from application to completion.

Monthly payments will depend on the loan amount, interest rate, mortgage term, and product type selected. We can provide personalised illustrations based on your circumstances and budget.

Additional costs can include solicitor fees, valuation fees, survey costs, stamp duty (where applicable), moving expenses, and broker fees if applicable.

Yes, many lenders accept gifted deposits. The person gifting the funds will normally need to provide confirmation that the money is a gift and not a loan.

An Agreement in Principle (AIP) is an indication from a lender showing how much they may be willing to lend based on initial information. It can help when making offers on properties.