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Helping you to purchase the new home of your dreams
You’re on the property ladder, but you want to move up it. You earn more than you did when you bought your current house, so you can afford something nicer. Simple, right? Well, not quite. You need to understand the costs of moving, as well as your likely outgoings in your new home, which, if it’s bigger, may well be significantly more than you pay out now.
How we work
We can sit down with you and work out exactly what a bigger house might cost to buy – and cost to run. We can tell you the likely costs of your new home – council tax, utilities, any increased travel expenses, as well as of course the cost of moving itself.
It may look as though the house of your dreams is within your reach, but can you really afford it, once you take all of this into consideration?
We are the last ones to want to thwart your ambitions, so we will conduct a thorough review of your circumstances, and advise you on what is possible, what would put pressure on your month-to-month finances, and what would put you into debt.
It may be that we can port your existing mortgage across to your new home, or we may need to find a different lender. Being truly independent, we can consider every mortgage product from every provider, meaning that you can get the very best deal.
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same lender. Independent means that we can offer every kind of product from every lender.
How we can help you
Most people are bemused by the range of mortgages available, what all the terms mean, and – bottom line – what you can realistically afford, while still having a life, so to speak. We can sit down with you – from as early in the process as you like – and explain everything.
We can explain the terms; we can describe your options; we can advise you on the pros and cons of each course of action.
And when you are ready to take the big step, we will guide you through every decision, help you with every piece of paperwork, and give you the peace of mind that you are on the right track.
Benefits
- A single point of contact at all times
- Advice from as early in the process as you need
- Access beyond us to over 25 experienced advisers for the more obscure questions
- Access to every type of mortgage from every lender – we are truly independent
- By your side all the way – to the moment you move in and beyond
- Annual reviews at the very least
Why choose us
Sometimes it seems that there are almost as many financial advisers as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Your mortgage and equity release team member
Nikki Pilling
Mortgage and Later Life Lending Adviser
Nikki has been in financial services since 1997. She was in retail banking and got made redundant in 2018. She joined Dave at Compass in 2018, and then joined him at Protection and Investment in 2024. Since 2003, Nikki has specialised in Later Life Lending, including lifetime mortgages. She admits to being passionate about the difference that Later Life Lending can make to people’s lives. She has two boys, calls herself a football mum, and her favourite family member is Mabel, the fox-red labrador!
"We couldn’t be happier with the service Nikki provided throughout our mortgage journey. From the very beginning, Nikki was incredibly supportive. She made what could have been a stressful process feel smooth and straightforward."
Billy & Olivia
FAQs
How long does it take to buy a home?
On average, the conveyancing process takes 8 to 12 weeks from the moment an offer is accepted until completion. However, this timeline can stretch to 5 months or longer if you are in a property chain or if mortgage and legal searches encounter delays.
What are the key steps in the buying timeline?
The general home-buying process involves: 1. Checking your credit score and determining how much you can borrow. 2. Getting a Mortgage in Principle (Agreement in Principle). 3. Finding your ideal property and making an offer. 4. Submitting a full mortgage application. 5. Instructing a solicitor or conveyancer. 6. Booking a property survey. 7. Exchanging contracts (legally binding commitment). 8. Completing the purchase and moving in.
How much of a deposit do I need?
Most buyers need a deposit of at least 5% to 10% of the property’s total purchase value. Saving a larger deposit (e.g., 15% or 20%) can give you access to lower interest rates and better monthly repayment options.
What additional costs should I budget for?
Beyond your deposit and mortgage payments, you should factor in solicitor and conveyancing fees, property survey costs, mortgage arrangement and broker fees, Stamp Duty Land Tax (SDLT) and moving expenses.
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
Get in touch