Approximate Freehold Sale / Purchase: 4-6 weeks*

Approximate Leasehold Sale / Purchase case: 8-12 weeks*

*Please note these timescales are only an estimate and will depend on the complexity of the transaction.

Not all mortgage brokers charge fees! Some brokers will charge upfront fees, completion fees or percentage fees. Fees Free Mortgages are completely fees free as we get paid by the banks that we recommend. We are completely independent and unbiased, so will always strive to get you the best mortgage deal.

Our mortgage advisors will take the time to explain the process in simple steps. We will also help to assist with other services you will need along the way for example; valuations, insurances and finding a solicitor.

A mortgage advisor will need to get an overview of those who are named on, or wish to be named on a mortgage. An idea of household income and outgoings will assist the advisor to make affordability checks. Most importantly the advisor will need to get an overview of your objectives, finding out exactly what you’d like to achieve!

Yes, subject to meeting mortgage lender’s criteria. Many homeowners borrow more to improve or extend their home, or to consolidate their other outgoings.

Yes, in some circumstances you can either shorten or lengthen your mortgage term. It’s recommended that a qualified advisor get to know your situation and your motives to be able to advise accordingly on this.

Deposits are specific to each individual scenario. Typically, you could put down a deposit of as little as 5% of the property value. This is subject to meeting specific lending criteria which we will be able to assess for you.

There can be many fees which are involved when you remortgage, however one fee that we don’t charge is a ‘broker fee’. We just get paid by the back – simple!

Not all mortgage brokers! Some brokers will charge upfront fees, completion fees or percentage fees. Fees Free Mortgages are completely fees free as we get paid by the banks that we recommend.

A mortgage product fee is often known as an arrangement fee. Banks usually offer lower rates but with a fee which can either paid upon application or added to the loan on completion. We’ll calculate whether it’s worth paying the arrangement fee for you!

If your preferences are that you would prefer an option without early repayment charges, we can base our research on this preference. A small number of lenders offer fixed or tracker rates where the entire loan can be repaid, in full, without penalty.

An advisor who is ‘whole of market’ is an advisor who has access to the entire mortgage market. Some advisors are ‘tied’ and only have access to a certain panel of lenders.