A property decision is a financial decision — and the right mortgage advice makes all the difference.
We connect you with trusted, experienced mortgage advisers who give straightforward guidance: how much you could borrow, the most competitive lending options, and how to move through the application with confidence.
Whether it's your first home, your next move, growing an investment portfolio or remortgaging, we'll make sure your plans are backed by sound financial advice.
A no-pressure chat covering your income, savings and outgoings, your credit profile, how much you could borrow and your likely monthly payments.
Typically your last three months' payslips and bank statements, ID, proof of deposit and a P60 — or two to three years of accounts if you're self-employed.
A lender indicates how much they may lend, which shows sellers you're a serious buyer. It's not binding, but it gets you ready to make an offer.
Your adviser submits the full application, the lender values the property and completes its checks, and your formal mortgage offer is issued.
Tell us where you're up to and we'll arrange a call with a trusted adviser.
Request a call →Hart & Stone is not authorised to provide mortgage advice; we introduce clients to an independent, FCA-regulated mortgage adviser. Your home may be repossessed if you do not keep up repayments on a mortgage secured against it. A fee may be payable for mortgage advice — the amount will depend on your circumstances and will be confirmed by your adviser.