Mortgages made simple. People come first.
We've become one of the UK's most trusted mortgage brokers for the Armed Forces, while still helping people from all walks of life make the mortgage process as simple and stress-free as possible.
Serving in the Armed Forces or part of the military community?
Discover mortgage advice built around military life.
Our Process
When you enquire, we’ll talk you through all the information you’ll need for your application and answer any questions you may have.
1
If you have everything available, we can discuss how much you may be able to borrow, what fees are involved, deals available and importantly how much your monthly payments will be.
2
You will need a solicitor or licenced conveyancer to look after the legal side for you. We can help you find one if needed.
3
We can apply for your mortgage or a decision in principle immediately with NO WAITING.
4
We will keep you up to date with the progress of your application helping with any queries the lender may have along the way.
5
Once your mortgage has been approved, we will ensure things keep moving to completion by liaising with other parties such as your solicitor, again making sure you are kept informed
6
We will inform you of your completion date, the day you get the keys to your new home (or for remortgages, the day your new mortgage starts)
7
It’s completion day, the last step of your journey and arguably the best! We are there for you for any queries you may have.
8
We're with you every step of the way
Getting a mortgage doesn't have to be complicated. We'll guide you through it from start to finish.
Whether you're a first-time buyer, moving home or remortgaging, we'll take the time to understand what you're looking to achieve before recommending a mortgage deal. No jargon, no pressure and no rushing you into decisions.
From your first enquiry through to completion and beyond, you'll have your own adviser, backed up by their Sales Support Assistant, keeping everything moving and keeping you informed every step of the way.
Let us do all the talking for you
Once your mortgage is underway, we'll deal with everyone involved, keeping everything moving and keeping you informed along the way.
That means speaking to lenders, solicitors, estate agents and anyone else involved, so you don't have to do the chasing.
If you're buying a home, we're even happy to put your offer to the estate agent on your behalf, taking away one of the more stressful parts of the process.
You can get on with your day, knowing we're keeping everything on track.
Great mortgage deals from lenders you know and trust
Most people simply want a great mortgage deal from a lender they know and trust. That's exactly what we want too. We work with all the major UK banks and building societies, along with many smaller and specialist lenders, so whether you're looking at a household name or something more specialist, there's a good chance we'll already work with them, giving you the best possible chance of finding a great mortgage deal.
Not all mortgage brokers work with the same range of lenders. From time to time, we have access to exclusive mortgage deals which are only available through selected mortgage brokers, giving you access to even more mortgage deals. Along with the support we've already described, it's all part of helping you however much - or however little - you'd like us to.
View our full list of mortgage lenders.
Example using PFL Mortgages for your mortgage application
*Provided we can get all the necessary information from you, we may be able to get you a decision in principle that same day!
Example using a lender directly for your mortgage application
Using lenders directly can sometimes take upto three weeks longer
* Timescale shown is for a full mortgage application through to a mortgage decision and may vary depending on the lender and individual circumstances.
We work fast.
As in, same day fast.
When you're buying a home, timing can make all the difference. Whether you've found the right property, your current mortgage deal is coming to an end, or you simply want to get things moving, we're ready when you are.
We aim to speak to you the very same day you get in touch. And if you need a Decision in Principle, we can often arrange one with many lenders within just a few minutes.
Once you've sent us everything we need, we'll get straight to work. In many cases we'll submit your full mortgage application that day. If your documents arrive later in the day, it'll usually be first thing the following morning.
The biggest delay is normally waiting for the documents we need, such as payslips, bank statements and proof of identity. As soon as we've got everything, we'll get your application moving without delay.
We work around you.
Some people like to pick up the phone straight away, while others prefer to start by email, WhatsApp or social media. We'll communicate in whichever way suits you best and at a pace you're comfortable with. There's no pressure to do everything at once - we'll guide you through the process one step at a time.
Questions? Talk to us today.
Let's get started
You don't need to have everything worked out before getting in touch.
Whether you're buying your first home, moving home, remortgaging or simply have a question, we'll help you understand what’s possible and guide you through the next steps.
Just answer a few quick questions and we'll make sure the right adviser gets back to you at a time that suits you.
Our phone lines are open Monday to Friday, from 9am until 5pm. But we're guilty of checking our emails at weekends too, so don't worry if that's when you decide to get in touch.
Get in touch
Proudly supporting the Armed Forces
We're proud to be supporting SSAFA, the Armed Forces Charity and also be signed up to the Armed Forces Covenant
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