Frequently asked questions
Straight answers on fees, timescales and paperwork — no jargon.
Do you charge a broker fee?
Our standard mortgage advice fees are set out below. This is the same fee table you’ll see at the start of our online fact find, so you know what to expect whether you read it here or when you apply.
| Service | Fee | Payment terms |
|---|---|---|
| New Mortgage (Purchase) | £349 | £50 payable at Agreement in Principle stage, balance on receipt of Mortgage Offer |
| Remortgage | £199 | £50 payable at Agreement in Principle stage, balance on receipt of Mortgage Offer |
| Product Transfer | £49 | Payable in full at application stage |
We may also receive commission from the lender when your mortgage completes. We’ll explain how you’re paying for our service — including any fee and commission — before you commit.
How long does a mortgage application take?
It varies. A typical purchase can take several weeks from application to offer, then longer to completion depending on the chain, survey and lender. We’ll give you a realistic view once we know your situation.
What documents will I need?
- ID (passport or driving licence)
- Latest 3 months bank statements for all current accounts held
- Latest 3 months payslips (if employed)
- Latest 2 years Tax Calculations and Tax Year Overviews (if self-employed or in receipt of rental income)
- Proof of Deposit (for a purchase transaction)
We may need additional information and will advise when we make your recommendation.
Can you access every lender?
No mortgage firm can place business with every lender — we don’t pretend otherwise. We work with a broad panel and search widely for a strong fit. If something sits outside what we can access, we’ll say so upfront and help you weigh the trade-offs.
For example, Lloyds Bank and First Direct mortgages are only available if you apply direct.
We can access most other lenders — click the following link to see all lender partners: https://hlpartnership.co.uk/product-proposition
Do you arrange buy-to-let mortgages?
Yes. Some buy-to-let mortgages are not regulated by the FCA — we’ll explain what that means for you.
How do I get started?
The quickest way to a recommendation is to start an online fact find.
If you want to speak first, call us on 0330 551 4600 or contact us via WhatsApp.
Or book an online meeting: