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Our Office
International House 10 Churchill Way Cardiff CF10 2HE
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Frequently Asked Questions
Find answers to your pressing questions regarding our services.
What are your office hours?
9am – 5pm Monday – Friday
Please contact us direct to make an out of hours appointment.
How can I book a consultation?
Booking your free, no-obligation consultation is easy and flexible. You have three convenient options:
Online: Visit the ‘Contact Us’ or ‘Book Now’ section of our website to select a time that suits you from our real-time calendar.
Phone: Call us directly at 07581294335 during business hours, and our team will schedule the consultation for you.
Email: Send an email to [email protected], and we will respond promptly with available time slots.
Ready to start? We look forward to discussing your mortgage needs!
What should I bring to my meeting?
To make our meeting as productive and efficient as possible, it helps if you can bring or have access to certain key documents. This allows us to give you the most accurate advice and, if you’re ready, submit your application quickly.
1. Identity and Address Verification
Photo ID: Passport or driving license.
Proof of Address: A recent utility bill (dated within the last 3 months) or a bank statement.
2. Income Verification
Employed: Your last months’ payslips and your latest P.
Self-Employed/Contractor: Your last or years of certified accounts or SA tax returns and a Tax Year Overview.
Rental Income (for Buy-to-Let): Your latest tenancy agreement.
3. Financial Overview
Bank Statements: Your last months’ statements for all bank accounts, including the one where your salary is paid.
Existing Mortgage Statement (if applicable): The most recent annual statement for your current mortgage.
Details of Debts: Statements for any loans, credit cards, or hire purchase agreements, showing the outstanding balance and monthly payments.
No time to gather everything? Don’t worry! If you can’t gather all these documents before our first chat, bring what you have. We can still have a comprehensive discussion about your options and circumstances.
Contact us today to schedule your consultation!
What is your response time?
Your time is valuable to us. That’s why we strive to provide timely communication throughout our process. Expect clarity and support from the moment you reach out.
Do you offer online consultations?
If you prefer the convenience of online discussions, we offer consultations through virtual platforms. Schedule at your comfort and let’s connect wherever you are.
Can I modify my appointment?
If you need to modify, reschedule, or cancel your appointment for any reason, please contact our office directly via phone or email as soon as possible. We will be happy to adjust your booking to a time that works better for you.
What services do you provide?
We provide a comprehensive and tailored mortgage brokerage service, specialising in finding the right finance solution for every client.
Our core services include:
Arranging Mortgages: Securing finance for first-time buyers, home movers, and those looking to remortgage to a better rate.
Specialist Lending: Expertise in complex cases such as mortgages for the self-employed, applicants with adverse/bad credit, and Buy-to-Let investors.
End-to-End Management: Managing the entire application process, from initial advice and product research to handling communication with the lender and solicitor until completion.
How can I pay for my services?
Our broker fee becomes due and payable only once you have received your formal mortgage offer from the lender. We accept payment via BACS transfer to finalise our service.
Do you offer free consultations?
Yes, we absolutely offer a free, no-obligation initial consultation and advice session.
This initial meeting is complimentary and is designed to allow us to understand your specific financial situation, assess your mortgage needs, and determine which lenders and products are most suitable for you. During this free consultation, we will:
Review your current circumstances (income, credit profile, deposit, etc.).
Explain the different mortgage options available to you.
Provide an estimate of how much you can borrow.
Outline a clear plan for moving forward and detail any potential costs.
When Our Fee Becomes Payable
We only charge our broker fee if you instruct us to proceed with a full mortgage application and we successfully secure a formal mortgage offer for you from a lender. This ensures that you receive valuable, tailored advice at no cost upfront.
In short: the advice is free; the application and arrangement service is payable upon success.
What sets you apart from competitors?
We believe the right mortgage broker should be a partner who simplifies the complex, finds solutions where others fail, and always acts with transparency.
Here is what truly sets us apart:
1. Expertise in Complex Cases
Many high-street banks and general brokers only deal with straightforward applications. We specialise in the complex and non-standard. If you are self-employed, have a complicated income structure, or have a history of adverse/bad credit, we have established relationships with specialist lenders who are often inaccessible to the public. We thrive on finding solutions others can’t.
2. Whole-of-Market Access
Unlike brokers who are tied to a small panel of lenders, we have access to the entire mortgage market. This means we can compare thousands of deals from mainstream banks, building societies, and specialist lenders to ensure you get the most suitable product and the best possible rate for your unique situation.
3. Clear, Success-Based Fees
We offer a free initial consultation and only charge our broker fee once we have successfully secured a formal mortgage offer for you. Our fee structure is completely transparent, with all costs explained upfront, so there are never any surprises or hidden charges.
4. Dedicated End-to-End Support
From your first enquiry to the day you get your keys, we manage the entire process. We handle the paperwork, communicate with lenders and solicitors, and track the application progress, freeing you up to focus on your property journey.
Ready to experience the difference a specialist broker can make? Contact us today for a no-obligation discussion about your mortgage needs.