FAQ's
Frequently Asked Questions
❓Do you only help with mortgages?
No — while mortgages are our main focus, we also assist with remortgages, buy-to-let finance, and help for first-time buyers. In addition, we can connect you with specialists for pensions, life insurance, income protection, and general financial planning.
❓Can you help if I’m self-employed?
Yes — we focus specifically on the Welling area and the surrounding parts of Bexley. That means we understand local property prices, lender preferences, and which mortgage deals work best for people buying or remortgaging in SE London.
❓Can you help with bridging loans or short-term finance?
Yes, in many cases we can point you towards bridging loan solutions or other short-term lending options. These are often used for property purchases where speed or flexibility is key — such as auction buys, refurbishments, or chain breaks.
❓Do you help landlords?
Yes — whether you have one rental property or a full portfolio, we can support you with buy-to-let mortgages, portfolio refinancing, or funding for new investments. We also work with limited company and SPV structures.
❓Are you based in Welling?
Yes — we focus specifically on the Welling area and the surrounding parts of Bexley. That means we understand local property prices, lender preferences, and which mortgage deals work best for people buying or remortgaging in SE London.
❓Do you offer advice on pensions or retirement planning?
Yes — we can refer you to trusted professionals who specialise in pensions, retirement income planning, and consolidating old workplace schemes. It’s especially helpful for homeowners thinking ahead about later-life finance.
❓Do you charge a fee?
In many cases, no fee is payable unless you choose to proceed with a mortgage offer. Even then, we keep fees transparent and competitive — and we’ll only recommend something if we think it’s right for you. If applicable, all costs will be made clear upfront.
❓Can you help with life insurance and protection?
Yes — it’s something many clients arrange alongside their mortgage. We’ll walk you through options for life cover, critical illness, and income protection, and ensure you’re only paying for what you really need.
❓Do you give financial advice?
We work with fully qualified and authorised mortgage and protection specialists who handle your case directly. That way, you’ll get support from experienced professionals who are up to date with FCA regulations and lender criteria.
❓Can you help if I have poor credit?
Yes. We work with lenders who specialise in helping clients with less-than-perfect credit, defaults, or CCJs. You may still be eligible for competitive rates, depending on your current circumstances.
❓How long does a mortgage application take?
In most cases, we can secure a Decision in Principle within 24 hours. Full applications can vary depending on the lender and your documents — but we aim to keep things moving quickly and keep you updated throughout.
❓What areas do you cover besides Welling?
We also support nearby areas including Bexleyheath, Sidcup, Plumstead, Abbey Wood, Eltham, and further afield. Whether you’re buying locally or relocating, we’ll help find the most suitable deal for your circumstances.
❓How do I get started?
Simple — just complete this short form or give us a quick call. We’ll review your situation and let you know what documents or details we need to get things moving.