Question 1

What’s the minimum deposit I need?

Accepted Answer

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

Question 2

Do I need to speak to a mortgage broker?

Accepted Answer

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

Question 3

How long does the process take?

Accepted Answer

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.

Question 4

Can I combine multiple pensions into one?

Accepted Answer

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

Question 5

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

Accepted Answer

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

Question 6

Can I access my pension early?

Accepted Answer

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