FCA regulated · Firm reference 843041 · Advising across the whole of the UK Free initial consultation · 07931 177333

Edinburgh · Scotland · UK-wide

Find out what you can borrow

Eight short questions, about sixty seconds. There is no credit check and nothing is submitted to a lender — at the end, an adviser reviews your answers and comes back with what is realistically achievable, which lenders fit your circumstances and what it will cost. It is free and there is no obligation.

Question 1 of 9About 60 seconds

What are you looking to do?

Pick the closest — we can adjust later.

How far along are you?

This tells us how quickly we need to move.

Roughly what is the property worth?

An estimate is fine. If you are remortgaging, what is your home worth now?

£

How much deposit or equity do you have?

Include savings, a gift from family, or the equity in your current home.

£

What is your total annual income before tax?

Include a second applicant if there is one. Salary, profit, dividends and rental income all count.

£

How are you paid?

This matters more than almost anything else — lenders assess each type very differently.

Anything on your credit file we should know about?

Being upfront here saves a wasted application. Nothing here rules you out.

When do you need this done?

Where should we send your answer?

An adviser reviews this personally and comes back to you, usually the same working day. No credit check has been run and nothing has been sent to a lender.

We use your details only to respond to your enquiry — see our privacy policy. This is not a credit application and no search is performed. Your home may be repossessed if you do not keep up repayments on your mortgage.

Common questions

Frequently asked questions

Is this a credit check?

No. Nothing here touches your credit file and nothing is submitted to a lender. It is simply a structured way of telling us your situation so the first conversation is useful rather than a fact-find.

What happens after I submit it?

An adviser reviews your answers and comes back to you, usually the same working day, with a realistic borrowing figure, which types of lender fit your circumstances and what the costs would be.

Do I have to answer everything?

Only the questions that apply. If you do not know a figure, give your best estimate — it is better than leaving it blank, and we will refine it together.

What does it cost?

Nothing. There is no charge for the initial consultation, and our advice fee only becomes payable once a formal mortgage offer has been produced.

Related

Not sure where you stand? Ask us.

A twenty-minute conversation will tell you what you can realistically borrow, what it will cost and whether it is worth doing. It is free, and we will tell you honestly if the answer is no.

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