Mortgage advice across a range of circumstances
First-time buyer
Understanding the mortgage process, what you'll need and what to expect — from deposit planning to your first application.
Remortgage
Reviewing your options when your current mortgage deal ends or when your circumstances have changed.
Home mover
Mortgage guidance when you are selling your current property and buying your next home.
Self-employed
Self-employed income often requires additional explanation during an application. I can help you understand what lenders typically need.
Buy-to-let
Mortgage guidance for landlords or those considering their first rental investment property.
A straightforward route from first question to application
Initial conversation
We discuss what you are trying to achieve, your timescale and any questions you have. No obligation and no jargon.
Assessment & recommendation
Your circumstances, income and needs are assessed. Where appropriate, a suitable mortgage is recommended and explained.
Application support
I guide you through the application process, help you understand what is required and keep you informed at each stage.
May include:
- Your home-buying or remortgage plans
- Your income and employment structure
- Your deposit and anticipated costs
- Your existing mortgage arrangements
- Your family responsibilities
- Your current life and illness cover
- Your ability to meet essential expenses if unable to work
- Areas where further advice may be appropriate
Protecting the mortgage matters too
Arranging a mortgage is a significant financial commitment. It is also an opportunity to consider what would happen if illness, injury or death affected your household income.
There is no assumption that every product will be appropriate for every person. The purpose of the conversation is to understand your needs and explain the relevant options.
Nicole Duley provides mortgage and protection advice through Trulife Financial.