First time Buyers & Home Movers

Many lenders start at 5% deposit however minimum deposit can depend on lender, credit history and property type.

We’ll model scenarios at different deposit levels so you see the impact on monthly payments & interest rate bands.

Yes – An AIP (Agreement in Principle) is a conditional indication of what you may borrow, subject to

underwriting & valuation. It can be generated quickly once we’ve reviewed your income & credit.

Most are valid 60–90 days and can be refreshed and it shows estate agents you’re in a position to view and buy property.

Get an AIP early and we will coordinate with agents & conveyancers, help you understand chain risks, and discuss backup plans.

Many lenders let you take your existing rate to a new property if criteria are met.

Porting is effectively a new application using your current interest rate product to avoid any lender penalties.

Payments often jump so review options several months before expiry.

Standard Variable Rates are typically higher and can change at lender discretion. We’ll help

you avoid big increases to your monthly payment.

Many remortgages use automated valuations however some properties do need a physical survey depending on how much information is held on line and at land registry.