Why Independent Advice Makes a Difference
Walk into a high-street bank and you're speaking with someone who can only show you that bank's products. They might have a competitive deal, or they might not.
Either way, you won't know what else is out there, because they simply don't have access to it.Online-only brokerages cast a wider net, but they often feel impersonal.
You might speak to a different person every time you call, and complex cases can end up falling through the cracks. The personal touch disappears precisely when you need it most.
The Fee Free Mortgage Broker sits in a different space. We're not tied to any lender. We compare products from high-street banks, building societies, specialist lenders and private banks, including deals that aren't available if you search directly. You get unbiased advice because we don't have a lender relationship to protect.
Here's what working with us looks like in practice:
• A named adviser who knows your case, not a rotating call-centre team
• Whole-of-market access including specialist and adverse credit lenders
• Fee-free service in most standard residential cases
• Local knowledge of Hampshire property types, solicitors and estate agents
• Flexible appointments: daytime, evenings and weekends by arrangement
• FCA-regulated advice with clear, written recommendations
• Direct contact via phone, WhatsApp or email
How Our Advice Process Works
Most of the process can be done online or over the phone. Here's what to expect:
Discovery call
A free 15–30 minute conversation to understand your goals, timescales and any potential sticking points, credit history, employment type, income structure. No obligation to proceed
Fact-find and documents
You'll complete a secure online form covering your finances. We'll ask for payslips, bank statements, ID and proof of address. Self-employed? That's accounts and SA302s
Research and recommendations
We search the whole market and send you a personalised written recommendation explaining why the suggested mortgage fits your situation and what your repayments will look like
Application and underwriting
We submit on your behalf, monitor progress, and handle any back-and-forth with the lender's underwriters so you don't have to chase
Offer through to completion
Once the formal offer is in, we stay involved, keeping in contact with your solicitor and the estate agent to make sure things keep moving
Typical timelines: Agreement in Principle often on the same day. Full application to offer: two to four weeks for straightforward cases. Offer to completion depends on your chain and solicitors, but typically four to twelve weeks.
