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How it works

How it works

We provide the market’s most personalised mortgage experience by matching you to one of our specialist Mortgage Experts based on your unique situation.

Why we’re different:

Traditional lenders and automated online mortgage platforms typically reject borrowers if they have a less-than-typical income or have a history of bad credit. We know that a growing number of people are working in less conventional ways, and that life isn’t always straight forward. With the right experts there are nearly always possibilities.

How we do it:

We’ve developed a simple and effective way to get a mortgage for those who don’t fit the traditional mould of the ‘ideal mortgage applicant’. If your situation takes a bit of time to understand (previous credit issues/complex income), then using our platform guarantees you’ll be matched with one of our specialists with a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Here’s how it works:

First, you fill in a form that sends us the details of your unique situation. It takes 60 seconds and won’t affect your credit score.

We then search over 12,000 mortgages to start uncovering the right mortgage for you. Often, these mortgages aren’t available directly - you can only get them through specialist and trusted brokers.

Next, you’ll get matched to one of our Mortgage Experts with a track record of making mortgages possible for people like you.

Once you’ve been matched, your personal Mortgage Expert and dedicated Case Manager will do all the heavy lifting. They’ll be with you every step of the way - from start to finish.

You can track and manage everything in your customer portal. Here you’ll find 24/7 updates and no messy paperwork - yay!

OUR FEES

How much your Mortgage Expert will cost depends on your unique situation.

Your Mortgage Expert will explain our fees when you speak to them. If they can’t help you, you won’t pay a penny.

The fee you'll pay all depends on your individual circumstances. You're paying for your Mortgage Expert's time and dedication to understand your situation and find the right mortgage for your needs.

We charge a maximum fee of £1,499¹ in total. This includes your fully refundable commitment fee of £99. Don’t worry, your Mortgage Expert will explain everything to you in full before you make any decisions.

¹In some remortgaging cases, you could have the option to roll this cost into your new mortgage rather than pay this as a lump sum.

COMMITMENT FEE

After you’ve spoken to your Mortgage Expert, and they’re confident they can get you a mortgage, you’ll be asked if you want to continue. They can then start work on your mortgage application.

At this point, you’ll need to pay a fully refundable commitment fee of £99 to secure our help. This will come off the overall fee you’ll pay when you get your mortgage offer.

If for some reason your Mortgage Expert fails to get a mortgage for you, you’ll get this commitment fee money back in full.

OUR MORTGAGE EXPERTS

All our Mortgage Experts are fully qualified with experience in bad credit, self-employed and complex mortgages. They all have a proven track record of getting mortgages for people who’ve been rejected elsewhere.

We use the information from your enquiry to match you with the best Mortgage Expert for your situation.