We don’t charge any upfront fees for our services. However, some lenders may impose application fees or other charges related to the loan itself. We’ll be completely transparent about any potential costs and guide you through the process to ensure there are no surprises.

The pre-approval process typically takes up to 10 business days, depending on the complexity of your financial situation and the lender’s processing time. In more complex cases, there may be some back-and-forth communication, but we’ll work diligently to gather all necessary information and expedite your pre-approval.

You’ll need to provide the following documents for your mortgage application:

– Proof of identity (e.g., passport, driver’s license)

– Proof of income (e.g., payslips, tax returns from the past year)

–  Group certificate (employment details and income)

– Bank statements (savings and transaction accounts)

– Evidence of assets and liabilities (e.g., property ownership, car loans)

We can also offer a personalised checklist tailored to your specific circumstances.

Fixed Interest Rates: These rates are locked in for a set period (e.g., 1-5 years), providing you with stable, predictable monthly repayments.

Variable Interest Rates: These rates can fluctuate based on market conditions, which may result in lower or higher repayments over time. This option offers flexibility but carries the risk of increasing rates.

We’ll help you assess which interest rate type aligns best with your financial goals and risk tolerance.

Yes, borrowing capacity can vary significantly between lenders, as each one has its own criteria. Some smaller lenders may offer higher loan amounts, but it’s important to compare interest rates, fees, and customer service to ensure you get the best overall deal. We’ll help you navigate these differences and find the lender that’s the best fit for your needs.

Pre-approval gives you an estimate of how much you can borrow based on your financial information, while final approval is the lender’s official commitment to provide the loan, subject to final checks and property valuation. We’ll guide you through both stages to ensure a smooth process.

Yes, it’s possible! Some lenders specialise in helping people with less-than-perfect credit. We’ll work closely with you to explore your options and find a lender that suits your situation.