Independent mortgage advice · Leeds & West Yorkshire

Mortgage advice,
in plain English.

For first-time buyers, movers and the self-employed. We search the whole market, explain every option, and tell you exactly what it costs before you commit.

Book a free 20-minute call What might my payments be?
  • Whole-of-market search
  • Fee only on offer
  • Evenings & Saturdays

Your home may be repossessed if you do not keep up repayments on your mortgage.

A stone terraced house with a green front door on a quiet street

Our approach

It is a home,
not a transaction.

How we help

Whatever stage you are at,
we start with your situation.

01

First-time buyers

What you can borrow, which schemes you qualify for, and how the whole process works, before you fall for a house.

Talk to us about buying →
An empty, freshly painted living room with a bay window, a fireplace and two moving boxes on the floorboards
5%deposits considered with the right lender
02

Moving home

Port your current deal or start fresh. We work out which costs less once early repayment charges are counted.

Talk to us about moving →
2options compared side by side: port or switch
03

Remortgaging

Your fixed rate is ending. We start looking six months early, so you never drop onto the standard variable rate.

Check my renewal date →
6months before your deal ends, we start looking
04

Self-employed & contractors

Two years of accounts, one year, day-rate contracts. We know which lenders will look at your income properly.

Talk to us about your income →
1year of accounts can be enough for some lenders

Repayment calculator

See the numbers before the conversation.

Move the sliders to see a monthly repayment, how much of your home you would own at the start, and what the loan costs over its full term.

For illustration only. Actual rates depend on your circumstances and the lender. This is not a mortgage offer or advice.

per month£1,084
Mortgage amount
£211,500
Loan to value
90%
Total interest
£178,700
Total repaid
£390,200

Capital Interest, over the full term

Fees

What we charge,
up front.

No percentage of your loan. No fee until you have a mortgage offer in your hand.

First conversation20 minutes, by phone or video
Free
Advice feePayable only when your mortgage offer is issued
£495
Product transfer with your current lenderOften the right answer at renewal. We will say so.
£195

We also usually receive a commission from the lender. We tell you the amount before you apply. Fees shown are illustrative for this concept.

The process

First call to keys,
in four to eight weeks.

What to have ready 0 of 5

  1. Week 1

    Free call

    We learn about you, your income and what you want. You learn what is realistic.

  2. Week 1

    Recommendation

    A written recommendation with the deal, why we chose it, and every cost in one table.

  3. Week 1–2

    Agreement in principle

    So you can make offers with confidence. Usually within 24 hours.

  4. Weeks 2–5

    Application & valuation

    We chase the lender, not you. You get an update every week, even when nothing has changed.

  5. Weeks 4–8

    Offer & completion

    We work with your solicitor to the day you get the keys, and diarise your renewal.

    A hand turning a brass key in the lock of a green front door

Book a free call

Twenty minutes.
No obligation.

Choose a time that suits you, including weekday evenings and Saturday mornings. You speak to a qualified adviser, not a call centre.

A couple at their kitchen table in the evening, looking through paperwork and a laptop together
Rachel MorrowAdviser (fictional) · CeMAP qualified
When are you hoping to move?
Best time for a call

We use your details only to arrange your call. Please do not include account numbers or documents here.

Concept preview: nothing has been sent. On a live site, the adviser would receive this ready to book, and you would get a calendar invite with a document checklist:
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