Do I qualify for a free consultation even if I have bad credit?

Yes, absolutely. Our free consultation is open to everyone, regardless of your credit history. We work with specialist lenders who can help with defaults, missed payments, CCJs, and even bankruptcy. Booking a no-obligation chat is the first step to understanding your real options.

What information should I bring to my consultation?

To give you the most accurate advice, please have the following ready (if possible):

Proof of ID (passport or driving licence)

Last 3 months of payslips or bank statements (for employed applicants)

Latest tax calculations (if self-employed)

Details of any existing mortgages or loans

Don’t worry if you’re missing something – we can still start the conversation.

How long does a typical mortgage consultation take?

Most initial free consultations take between 20–40 minutes. During that time, we’ll assess your affordability, explain which lenders are likely to accept you, and outline the next steps. If you’re in a hurry, just let us know – we can do a quick 10-minute eligibility check too.

Is the consultation really free, and what’s the catch?

There is no catch. Your initial consultation is 100% free with no obligation to proceed. If you decide to apply for a mortgage through us, we will clearly explain any broker fees before you commit. Many of our clients pay nothing upfront – we get paid by the lender upon completion.

Can you help if I’m self-employed or have only 1 year of accounts?

Yes – we specialise in self-employed mortgages. Many high street banks require 2–3 years of accounts, but we have access to lenders who accept just 1 year’s accounts, or even 3–6 months of bank statements. Book a consultation and we’ll match you to the right lender.