Your Door Mortgage Advice

Yes. Your first conversation with us is completely free and there’s no obligation to go ahead. It usually takes about 15 minutes. We’ll talk through your plans, give you an honest view of your options and explain what our service would cost before you commit to anything.

Our fees start from £395 and depend on how complex your case is. We’ll confirm your exact fee in writing before we start, so there are no surprises. Our fee is only payable once you receive your mortgage offer. We may also receive a commission from the lender.

Your bank can only offer you its own mortgages. We compare deals from across the market, including some you can’t get by going direct. Just as important, we know which lenders are likely to accept your circumstances, which saves you from applications that get declined. We also handle the paperwork and chase the lender, solicitor and estate agent so you don’t have to.

Not at all. We’ll recommend the mortgage we think suits you best and explain why. If you decide not to proceed, that’s fine, and there’s no pressure.

Most lenders will lend around 4 to 4.5 times your income, and some will go higher for certain buyers. The real figure depends on your income, outgoings, credit history and deposit. On your first call, we can give you a realistic idea of what you could borrow, often in minutes.

Most mortgages need a deposit of at least 5% of the property price. A bigger deposit usually means better rates. If saving a deposit is your sticking point, ask us about [schemes and lenders] that can help.

Often, yes. Missed payments, defaults or CCJs don’t automatically rule you out. Some lenders specialise in helping people with past credit issues. Tell us about your situation honestly on the first call and we’ll tell you honestly what’s possible.

It can with some lenders, but not all. Most will want two years of accounts or tax calculations, and some will accept one. We know which lenders treat self-employed income fairly, whether you’re a sole trader, contractor or company director.

No. Speaking to us doesn’t involve any credit check. When we’re ready to look at specific lenders, we’ll tell you before anything is run. A full credit check only happens when you make a formal application.

Nothing at all. Just a rough idea of your plans and your income. After the call, we’ll send you a simple checklist of what we need, which is usually ID, recent payslips or accounts, and bank statements.

Once we’ve got your documents, most clients receive a mortgage offer within 2 to 4 weeks. From your first chat to completion on a purchase, it typically takes 8 to 12 weeks, depending on your chain and solicitors. We’ll give you a realistic timeline on your first call and keep you updated at every stage.

Start talking to us around six months before your current deal ends. Many lenders let you secure a new rate that far in advance, so you’re protected if rates rise. If rates fall before you switch, we can often move you to a better deal. Leave it too late and you could end up on your lender’s standard variable rate, which is usually much higher.

No. We’re based in Whitby and happy to meet locally, but we help clients across the UK via our network of expert advisors, or by phone or video call. You’ll get the same personal service wherever you are.

Yes. Your Door Mortgage Advice is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority. You can check us on the FCA register under firm reference number 1011952.