Frequently asked questions

Yes — many lenders offer refinancing options for capital release, restructuring your debt, or switching to more favourable terms. This applies to both residential and commercial investment properties.

Yes, some lenders offer mortgages to non-UK residents, particularly for investment properties such as buy-to-let. These cases typically require a higher deposit, full AML checks, and proof of income in your home country. Using a broker or packager familiar with non-resident lending can help match you with suitable options.

Not necessarily. Most of the process can be handled remotely via secure document upload and video verification. However, you may need a UK solicitor, and some lenders prefer face-to-face ID checks depending on the jurisdiction.

Yes — as long as you can provide credible proof (e.g. payslips, tax returns, bank statements). Lenders may apply currency exchange rates or assess income differently depending on the country and stability of earnings.

Yes. We offer post-completion support to assist with future refinances, new purchases, or related matters such as sourcing contractors, insurance providers, or letting agents. We aim to build lasting relationships — not just complete one-off transactions.

Yes. We work with a network of independent professionals and can make introductions if needed. You’re under no obligation to use them, but we only refer firms with a proven track record of professionalism.

Yes. Most lenders offer an Agreement in Principle (also called a Decision in Principle), which gives you an indication of how much you may be able to borrow — without committing to a full application. It’s often useful when viewing or offering on property, especially in competitive markets.
Can I get a mortgage if I’m self-employed?
Yes, it’s possible — though the documentation requirements may differ. Lenders usually ask for at least 1–2 years of tax returns or company accounts, and will assess your income stability. Some lenders are more experienced with self-employed applicants, especially through brokers who understand the criteria.

Working with a mortgage broker or finance consultant can give you access to a wider range of lenders — not just one bank's products. They can help match your circumstances with lenders who are more flexible on criteria like self-employment, foreign income, or complex property types. They also help coordinate the process, saving you time and reducing admin.

Yes. We take data protection seriously and comply with GDPR. Your information is stored securely and only shared with third parties when necessary for your application, and always with your consent.

We aim to respond to all enquiries within 24 hours. For urgent or time-sensitive cases, we can arrange same-day consultations or introductions where required.

Yes. We are happy to support clients in Turkish, Russian, and Spanish in addition to English. Please let us know your language preference when you contact us.