Question 1

Do I need to know exactly which mortgage I want?

Accepted Answer

No. The initial conversation is intended to understand your circumstances and explain the process. You do not need to select a mortgage product before receiving advice.

Question 2

Can you help if I am self-employed?

Accepted Answer

Yes. Self-employed applicants may need to provide different information depending on how they earn their income and how long they have been trading. Your individual circumstances will need to be reviewed.

Question 3

When should I review my mortgage?

Accepted Answer

It can be useful to begin considering your options before an existing mortgage arrangement ends. The appropriate timing will depend on your circumstances and current mortgage conditions.

Question 4

Can you help with life insurance and income protection?

Accepted Answer

Nicole provides mortgage and protection advice through Trulife Financial. The suitability and availability of any protection product will depend on your circumstances, needs and the relevant provider's terms.

Question 5

Will I definitely be accepted for a mortgage?

Accepted Answer

No adviser can guarantee mortgage approval. A lender will assess factors including affordability, income, expenditure, credit history, property details and its own lending criteria.

Question 6

Do I have to arrange protection with my mortgage?

Accepted Answer

Protection products are separate from the mortgage itself. Your needs and options can be discussed, but any recommendation should be based on your individual circumstances.

Question 7

Can appointments take place remotely?

Accepted Answer

Yes, remote appointments may be available, subject to Nicole and Trulife Financial's operating arrangements.

Question 8

Does making an enquiry commit me to anything?

Accepted Answer

Submitting an initial enquiry does not itself commit you to taking out a mortgage or protection product.