Questions worth asking before you decide

First homes, moving up, investors, refinancing, loan consolidation, files after a refusal, the self-employed and any-purpose financing. Every deal starts from what you can afford and what you want.

The bank offers its own products. A private adviser looks at your situation, compares the options and runs the process with the lenders on your behalf.

The fee depends on the type of deal and how complex the file is. I set out the process and the cost in advance at the introductory call, so there are no surprises.

Earlier is better. Checking before you sign helps you understand the budget, get approval in principle and avoid a commitment you can't carry.

It depends on the deal and on how you're employed. After the introductory call you get a short, exact list — nothing you don't need.

It depends on the deal, the documents and the lender. Careful preparation and steady follow-up cut delays, but no one can promise the same timetable for every file.

We don't send the same application again. First we find the reason and check the figures and documents; only then do we decide whether, and where, to apply. Approval depends on the lender's review, but the file can be made more accurate and more responsible.

We start with a diagnosis: what affects the file, which documents are missing and what can be improved. Only then do we decide whether to apply, and how.

Not necessarily. A lower payment can come with a longer term and a higher total cost. We look at the whole picture before deciding.

No one track suits everyone. We look at income, stability, cash flow, how much risk you can carry and how you'd cope with rate and index changes — then build the mix.

Don't judge it by the first payment alone: check the total cost, what happens if things change, how flexible early repayment is, and what happens if your income or outgoings change.

A longer term can lower the monthly payment but usually raises the total cost. We compare several scenarios against your budget and goals.