Frequently Asked Questions

Yes, it’s often possible. Lenders look at age, value and status of the issue (registered/satisfied), plus how many and how recent. Some will ignore older issues (e.g. over 3–6 years) or allow recent blips with a higher deposit or rate. We’ll map your credit file first so applications go to lenders whose criteria genuinely fit.

Not always. Clearing or reducing balances can help affordability, but it depends on your broader profile. Sometimes keeping cash for deposit and fees is smarter. We’ll run the numbers and tell you what moves the needle most.

Most lenders use SA302s/tax year overviews and will take an average of the last 2 years’ profits (sole trader) or salary + dividends (limited company). Some accept one year, retained profits or contractor day-rates. We match your trading pattern to lenders with the right stance.

Usually yes, but the proportion varies. Some take 50–100% depending on consistency and evidence (payslips and P60). We’ll position your case with lenders who credit more of your specific pay type.

Broad guide: pre-assessment same/next day, Decision in Principle 24–48 hours (once docs are in), full application 1–2 weeks to valuation, then underwrite to offer often 2–4 weeks depending on lender and complexity. We’ll set expectations up front for your case.

Standard items include ID, address proof, last 3 months’ bank statements, payslips or self-employed evidence, and deposit source. Adverse credit cases may need a full credit report. We’ll give you a simple checklist after our first chat.

Typical costs: lender product/arrangement fee (sometimes added to the loan), valuation fee (often free on remortgages), solicitors’ fees, any broker fee agreed, and property tax (SDLT/LBTT/LTT) where applicable. Our calculators can help you estimate these.

It depends on your risk tolerance, plans over the next few years, and market outlook. Fixed gives payment certainty; trackers can be cheaper initially but can move. We’ll compare options against your affordability and future plans.

Repeated applications can harm your position if they trigger extra credit searches. Better to diagnose why it was declined, then target lenders whose criteria fit. We’ll do that diagnosis first and avoid wasted applications.

Many specialist lenders ask for a larger deposit when issues are recent — often 10–20% depending on severity and recency. Older or satisfied events may need less. We’ll confirm what’s realistic after a quick review.

Yes — we support clients across the UK via phone, email and secure document upload. Meetings are available by arrangement.