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Mortgage broker FAQs: how much can I borrow, how does remortgaging work, can bad credit affect my mortgage, and more — answered by Secure Financial Solutions Ltd.
Please reach us at enquiries@securefs.co.uk or 01217981204 if you cannot find an answer to your question.
A mortgage broker acts as the middleman between you and mortgage lenders. We help you find the most suitable mortgage deal for your circumstances, handle the paperwork, and guide you through the entire mortgage process — from application to completion.
Using an independent mortgage broker gives you access to a wider range of mortgage products, including some not available directly to the public. We compare deals from multiple lenders across the whole market to find the most competitive mortgage rates and terms for you.
Yes — we have access to a wide panel of mortgage lenders and products, giving you more options than approaching a single bank directly.
Our initial mortgage consultation is free. Depending on the complexity of your mortgage needs, a fee may apply, which we'll always explain clearly upfront. Some lenders also pay us a commission on completion of your mortgage.
We advise on and arrange a variety of mortgages, including:
Yes. We work with specialist bad credit mortgage lenders who consider applicants with a less-than-perfect credit history. We'll assess your situation and help you explore your realistic options.
This depends on your income, credit history, outgoings, and each lender's criteria. We offer a free affordability check to give you an accurate figure.
Typically 2–4 weeks from application to mortgage offer, and around 8–12 weeks to full completion of your purchase. We keep you updated at every stage.
No — although we're based in Birmingham and Tamworth, we work with mortgage clients across the whole UK, either in person, over the phone, or via video call.
Book a free mortgage consultation by phone, email, or our contact form. We'll listen to your needs, explain your options clearly, and help you take the next steps with confidence.
Yes — we specialise in mortgage advice for NQTs, ECTs, supply teachers, and teachers on fixed-term contracts. Visit our Teacher Mortgages page for more detail.
Still have questions about your mortgage?
📞 Call us: 0121 798 1204 or 07311 626121
📧 Email: enquiries@securefs.co.uk
Copyright © 2020 Secure Financial Solutions - All Rights Reserved.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Registered in England and Wales
Secure Financial Solutions Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.
Some of the products/services shown above are not or may not be regulated by the Financial Conduct Authority.
-Registered office address - 19-21 Hatchett Street, Birmingham, B19 3NX
Registration number - 12774319
Trading address - 19-21 Hatchett Street, Birmingham, B19 3NX
We will charge a fee for our advice service which will depend on what mortgage you need, your financial circumstances, and the complexity of what you want. The amount of fee will be between £0 and 1% of the value you need to borrow up to a maximum of £2,000. For example, if your mortgage was £250,000 the maximum fee you would pay would be £2,000.
You need to pay the fee when when you get your offer/when you get your mortgage. Any fee paid is non-refundable, but will be transferred to the next application.