What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

Blogs

Latest Blogs

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UK Budget 2025: What Homebuyers & Homeowners in Southend Should Expect

The 2025 UK Budget is shaping up to be one of the most influential for the property market in years

November 19, 2025 No Comments

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Remortgaging in Southend: Save Money and Unlock Equity

If your current mortgage deal is ending, or you want to raise funds for renovations, a remortgage in Southend could

September 30, 2025 No Comments

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First-Time Buyers in Southend: Your 2025 Guide

Southend-on-Sea is one of Essex’s most popular destinations for first-time buyers. With its seafront lifestyle, excellent rail connections into London

September 30, 2025 No Comments