Frequently asked questions

Send an enquiry or call Charlene. The first step is a conversation about your plans, so she can explain the options and what information would be needed.

Usually photo ID, proof of address, recent payslips or self-employed accounts, bank statements and evidence of your deposit. Lenders' requirements vary.

No. A callback request lets Charlene know you'd like to talk. She'll contact you to arrange a convenient time.

It depends on your income, outgoings, credit history and deposit, and each lender assesses affordability differently. Charlene can give you an informed indication once she understands your circumstances.

Around three to six months before your current deal ends is often sensible, as many lenders let you secure a new deal in advance. Early repayment charges may apply if you leave a deal early.

An early indication from a lender of how much they might lend, based on initial checks. It is not a guarantee of a mortgage.

It isn't compulsory. Many people review life insurance, critical illness cover or income protection when they take on a mortgage, depending on their household and existing benefits.

Critical illness cover usually pays a lump sum on diagnosis of a defined condition. Income protection pays a regular amount while illness or injury stops you working.