It’s a starting point, not a guarantee. Banks can still say no later, especially if your situation changes or the property doesn’t meet their criteria. Always get expert eyes on your scenario before making offers.

Surprise: the lowest interest rate might come with hidden costs, less flexibility, or a loan that doesn’t suit your future plans. A good broker looks at the whole deal, not just the headline number.

In some cases you may be able to buy with a low deposit, depending on your situation and the lender. Government schemes and lender offers can also reduce the required deposit, and these change from time to time. I’ll help you figure out what’s possible without over-stretching.

Don’t panic — and don’t take it personally. Every lender has different criteria. I work with a range of lenders, including those who look beyond the big banks and checklists. Let’s find an option that fits you.

Earlier than you think! Even if you’re 6–12 months away from buying, we can map out your steps, build a strong application, and take the pressure off later. The earlier, the better.

Banks can only offer their own products — I can compare many lenders to find the one that actually suits you. Plus, I’ll explain it all in real words, not bank speak.