We have access to over 85 lenders, including deals that aren't generally available to the public, and even exclusive deals through our network Quilter Financial Planning. Our expertise means that we know exactly which of these products are best suited to your unique requirements, increasing your chances of being accepted the first time you apply. We will guide you through the whole process and do everything we can to help you achieve the outcome you're looking for.

Yes, absolutely. While there aren't lenders that deal exclusively with self-employed applicants, different lenders take very different approaches, and that's where our expertise comes in. For instance, some will average your income over the last two years, while others may base it solely on your most recent year. We'll assess your situation and match you with the lender whose criteria best suit your circumstances.

Yes, we can match you with a lender that is okay with this.

No, being self-employed doesn't necessarily mean you need a larger deposit to get a mortgage. However, as with any mortgage applicant, a bigger deposit can improve your chances of approval and unlock access to better interest rates. Lenders tend to be more flexible with their criteria when the loan-to-value is lower, which can be especially helpful if you're self-employed.

Our primary goal is to match you with the most suitable mortgage from a high-street lender, and in most cases we wouldn't expect you to pay a higher interest rate.

Yes, you can still get a mortgage with bad credit. We'll carefully analyse your credit report and assess your circumstances. Whether your credit problems involve late payments, defaults, debt management plans, IVAs or bankruptcy, if it's possible we will match you to the right specialist lender.

You may need a larger deposit depending on what appears on your credit report. We'll review your report in detail and give you clear guidance on how much deposit is likely to be required, based on your individual circumstances.

If your circumstances mean that we can only match you with a specialist lender rather than a high-street bank, the interest rate you pay may be higher. However, we'll always aim to minimise this by finding the most competitive deal available for your specific needs.

No, it won't impact your credit score. We won't run a credit check on you and will instead ask you to provide a copy of your credit report which doesn't leave any trace on your file. If you choose to move forward with an agreement in principle, only then would the lender carry out a credit check - and this would never happen without your permission.

No, we work on a "no mortgage, no fee" basis. You won't be charged for an initial discussion or for obtaining an agreement in principle. Once you've found a property to purchase or you're ready to remortgage, the lender may charge a survey fee, but we don't charge a fee until you receive your full mortgage offer.