How much do you charge?

£399 for a purchase, £199 for a remortgage — confirmed before you apply. More complex cases (like adverse credit) can carry an additional fee, but you'll always know the number upfront. That fee covers the whole job, right through to completion.

Are you tied to specific lenders?

We're a restricted broker, which sounds worse than it is. We work from a panel that covers most major and specialist lenders. If your best deal sits with one we can't access, we'll tell you straight.

I'm self-employed / run a limited company — can you still help?

Yes — this is where we're at our best. Dividends, retained profits, SA302s, limited company buy-to-let — we read this stuff every day because the accounting team files it.

Mortgage's shouldn't be hard

Filling in the same form for the third time. Trying to remember what AIP stands for. Realising you have no idea how a mortgage offer actually expires. Being asked, sincerely, why you spent £18 in Wetherspoons on a Tuesday in March. Waiting two weeks for a reply, and then having an hour to make a decision that lasts five years.

We do it different.

book a call

What we do

Mortgages, protection, and everything in between.

Mortgages, all of them

First home, next home, remortgage, buy-to-let, self-employed, bit of a mess on your credit file — whatever you've got going on, there's usually a way to get it done.

Cover what matters

Life, critical illness, income protection, private health — sorted so it does its job when you actually need it. Business owner? We'll loop in the accounting team too.

Around when you need us

Evenings, weekends or Wetherspoons— whatever fits around your life. Your adviser joins it all up behind the scenes, so you're not the one chasing anyone.

Who it's for

If any of these sound like you, you're in the right place.

First-time buyers

You've never done this before, you don't know what you don't know, and everyone keeps throwing words at you like "AIP" and "LTV" as if you're supposed to have a clue. We start at the beginning and explain the bits that actually matter.

Self-employed

Dividends, retained profits, SA302s, two years of accounts the lender wants in a specific format — the bit that everyone else finds hard. This is what we do every day, and we've got the accountancy team next door if anything else needs working out.

Moving or remortgaging

You've done it before, but life's moved on since the last one. New job, new baby, bigger place, deal ending in three months. You want it sorted faster and with less faff than last time. That's exactly what we built it for.

What about....

The questions people usually ask before they pick up the phone.

Credit's a mess?

Yes. Defaults, missed payments, CCJs, the lot. Plenty of lenders work with imperfect histories — we know which ones and how to position the case.

Self-employed?

Yes. Sole trader, director, contractor, dividends, retained profits. The "complicated" cases are most of what we do.

Just remortgaging?

Often it's more than that. New rate, capital raising, debt consolidation, paying off the Help to Buy equity loan — we sort all of it.

What cover do I need?

That's literally the conversation. We work out what you've actually got to protect and tell you straight what's worth having.

Buildings and contents?

Yes. Home insurance is part of the package — we sort the cover so you're not chasing a meerkat the week before completion.

The legal bit?

Yes. Our conveyancing team is in-house, already in the loop, and your mortgage adviser doesn't have to introduce you twice.

Here's what happens next

Already a Halewood client? Skip step 1 and most of step 2. We already know where you are — you just need to tell us where you want to go next.

Quick chat

Tell us what you're trying to do — buy, move, remortgage, get covered — and we'll tell you if we can help.

Tell us everything

Income, deposit, credit, outgoings, what you're after and when you need it by. This is where we work out what's actually possible, not what you're hoping for.

We do the thinking

We go out to the lenders we've got access to, run the numbers, and come back with the deal that actually fits.

Here's the plan

We come back with what we'd recommend and why. Rates, fees, monthly payments, the lot — laid out in plain English so you can actually make a decision.

Let's get on with it

We submit the application and stick with you all the way through to completion. Silly questions still welcome..

Common questions

Clear answers to the questions people often ask before getting started.

£399 for a purchase, £199 for a remortgage — confirmed before you apply. More complex cases (like adverse credit) can carry an additional fee, but you'll always know the number upfront. That fee covers the whole job, right through to completion.
We're what's called a "restricted" broker, which sounds worse than it is. It means we work from a panel of lenders rather than literally every lender in the country — but that panel covers most of the big names and most of the specialist ones. If your best deal sits with a lender we can't access, we'll tell you straight so you can go and get it. No messing about.
Yes, and this is actually where we're at our best. Dividends, retained profits, SA302s, limited company buy-to-let — we read this stuff every day because the accounting team files it. No awkward explanations, no lender who "doesn't understand director income." We just get on with it.
Probably, yes. There are specialist lenders for almost every situation and we've got access to most of them. Give us a call, tell us what's going on honestly, and we'll tell you straight whether there's a deal to be done now or whether you'd be better off tidying a couple of things up first.
Wherever and whenever works for you. Evenings, weekends, at your kitchen table, in the office, or on a Teams call in your lunch break. But, ideally a pub. First call's free!