Your journey with us,step by step.

A quick call or video chat, whichever suits you, so we can understand your situation and what you're hoping to achieve.

A focused 45–60 minute conversation to go through your circumstances in detail and start building your plan. Beforehand you'll get a simple checklist of the documents to have ready.

We go away and stress-test your case against 90+ lenders, then come back with illustrations for the right products — ready for your approval.

A credit check with your chosen lender. Most now use a soft search that won't touch your credit file, and we'll always tell you which applies before going ahead. If you're buying, this is what estate agents need to see before accepting your offer.

Once your offer is accepted, we schedule a short call to go through the property details and start planning how to protect your payments if life ever gets in the way.

With your offer accepted and protection taking shape, we submit your full mortgage application. You'll know exactly what happens next, and we'll help with surveys and buildings insurance along the way.

On acceptance we move straight to submitting your full application — this is what reserves your rate with the lender — and you'll get confirmation of exactly what happens next.

While your application progresses, we review your existing cover — or set new cover up if you have none — so your payments stay protected whatever happens.

The lender's underwriter assesses your case in full and completes their valuation of the property.

Once everything's approved, you receive your formal mortgage offer from the lender.

The big day. Funds complete, keys are released (or your new rate begins) — and your mortgage is officially in place.

Once you're a client, we're back in touch around six months before your deal ends — so you're never left to drift onto your lender's standard variable rate.