1. Are you Independent?
Yes, this means we can offer you the choice of every lender. We have no connections with Estate Agents or Insurance Companies.

2. Do you charge fees?
We do not charge fees however if you wish to pay us a fee of 1% of the purchase price you can and we will arrange for our procuration fee from the lender to be paid to you.

3. Do you work only with the police?
Predominantly yes, the Police are our first consideration. We have recently expanded and are now working closely with Housing Associations to enable us to offer mortgage advice on Government Low cost Housing

4. What area do you cover?
We cover from Shrewsbury in the Midlands, down to Penzance in Cornwall.

5. Where are you based?
Our office is in Gloucester but throughout the year we hold Mortgage Surgeries in your place of work.

6. Do I need an appointment to see you at a surgery?
No, but if you need or would like to book a specific time just contact the office.

7. Will someone come and see me at my home?
Yes, and evening appointments are available.

8. What hours are you contactable?
The office is open between 8.30 and 5.30pm Monday to Friday, but we can also be contacted on mobiles after hours.

9. Will you help a friend of mine?
Yes, we are more than happy to take on referral business from police personnel.

10. Can I speak to someone you’ve already helped?
Yes, take a look at our Testimonial page.

11. What are your qualifications?
We all have FPC & CeMap and have many years experience working with the police and in the financial industry.

12. Why should I use you, and not do it myself?
We can help you compare the various mortgage deals (in excess of 21,000) and look at the different lenders. We will take away the stress by utilising our dedicated administration team which will allow you to get on with your day to day life.

13. How long does it a mortgage take to go through?
A remortgage will take approximately 4-6 weeks to completion, and a purchase can take 10-12 weeks depending on the circumstances.

14. What happens if I need some help when my mortgage is going through?
We have a dedicated administration team who are fully qualified FPC and CeMap and our office is open 8.30 until 5.30pm.

15. Why shouldn’t I stay with my existing lender?
We would always explore your existing lenders products before suggesting you go elsewhere.

16. How much can I borrow?
Most lenders work on Income multipliers but with the rise in property prices, we can usually get them to work on affordability, so it will depend on individual circumstances.

17. Can I raise money for anything?
Yes, as long as it’s legal!

18. Should I pay off my loans?
You must consider the fact that you will be converting your unsecured debt into secured, probably extending the term, using up your equity and as with everything, it an individual decision, dependant on interest rates, amount outstanding, and other personal circumstances.

19. Should I extend the term of my existing mortgage?
If you extend your term you will pay more interest.. but sometimes as long as you have the intention of reducing again as the mortgage progresses, it can be a solution to affordability.

20. Could I use a guarantor and what does that achieve?
Yes, there are several ways of doing this. Many lenders will accept a guarantor, it will allow you to borrow more money and first time buyers can get on the property ladder.

21. Could I be a guarantor?
Yes, if you have spare income or a property and the person you are helping is a member of your family.

22. Can I have 100% Mortgage?
Yes, and more, up to 125%

23. What happens if I have a bad credit history?
You can still have a mortgage however, your choice of lender is restricted and you could have to pay a higher interest rate.

24. Can I own more than one property?
Yes, if you would like to purchase other properties for investment basis or holiday home, there are specialist lenders in this market.

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