What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

Market Updates

The 2025 Mortgage Market: What First-Time Buyers in Sidcup Need to Know

YourDevHammad / November 30, 2025

p>Sidcup has become one of the most popular locations for first-time buyers thanks to its affordability, strong transport links and […]

Market Updates

Why Sidcup Is Still a Hidden Gem for First-Time Buyers in 2025

YourDevHammad / July 10, 2025

Sidcup, nestled in the London Borough of Bexley, has quickly become a favourite among first-time buyers looking to stay within reach of the capital without paying sky-high prices. With excellent transport links, good schools, and a growing community feel, it’s no surprise demand has grown in recent years.

Market Updates

Sidcup Property Market Update: 2025 Mid-Year Snapshot

YourDevHammad / July 10, 2025

Thinking of getting on the property ladder? Here’s why Sidcup could be your perfect starting point.