A mortgage broker helps you find the best mortgage – whether a first-time buyer, remortgaging or looking for a more complex specialist mortgage. It is our job to do all the legwork and take the pressure from you.

We're a whole-of-market broker, so we have access to nearly every mortgage. We also have access to exclusive deals that banks and societies do not always offer directly to customers. In addition, we have decades of experience in applications and will manage all the follow-ups, keeping you in the loop. Not only do we take away the stress of acquiring your mortgage or remortgage, but we also can sort out your protection needs such as critical illness, employment protection or life protection should anything happen. And, when your product is nearing its change date, you don't have to worry because we will already be looking at the latest and best product for your remortgage and will get in touch. Successfully achieving our clients' insurance and mortgage needs is paramount to every team member. We are qualified and trained to help you, and as whole market brokers are not tied to any provider, we work entirely for you - no matter how complex your situation is.

At Greenshoots Financial, we believe in absolute transparency and value for money. Before beginning your property search, it's crucial to understand the details lenders require - from the size of your deposit to your employment history and future prospects. We recommend reaching out to us beforehand to ensure a smooth application process. Our advice is free, but we charge a fee for our financial services and application completion. The cost for our services is usually £395, but it can range to £995, depending on the extent of research and administration required. We ensure you are aware of any costs upfront to help you make an informed decision. You'll receive expert advice and support throughout your mortgage process with us. We devote extensive time and effort to researching and analysing mortgage and insurance options across the whole market to provide the best products for your bespoke needs. Our services encompass a variety of mortgages, offering unparalleled options from first-time buyer mortgages to specialist mortgage lending, buy-to-let, and more. We advise you accordingly and arrange the mortgage on your behalf. Our fee is only due once you've found a property and we've submitted a complete application to the lender. This fee is only a one-time charge until your tie-in period ends. There are no hidden charges. In the meantime, we continue to service your mortgage without any additional cost - ensuring the entire mortgage process is smooth and easy for you with our expert advice and support. We value your trust in us and are committed to providing top-notch service consistently. Thank you for considering Greenshoots Financial. Let's take the first step on this journey together!

We give full advice and, therefore, would recommend suitable insurance products to protect you and your mortgage. There is no fee for any insurance advice that will always be reviewed in line with their mortgage.

You can work out how much you could potentially pay back each month on your mortgage with our mortgage calculator on our mortgage page. However, mortgage affordability has become more complex than ever, with many lenders applying different rules and we will advise you on what is available to you in person. If you wish to understand a little more in the meantime, please read our blog post here.

The following documents are required before moving forward with an application: ✔️3-months bank statements and proof of earnings ✔️Photo ID- Original copy of driving licence or passport ✔️Proof of address - original copy of utility bill dated within the last 3 months ✔️Proof of deposit ✔️Credit Report

An agreement in principle (AIP) is the first step to getting a mortgage. Some lenders also call this a mortgage in principle, mortgage promise or decision in principle. An AIP helps understand how much you could borrow before you apply for a mortgage and it shows estate agents and sellers that you’re serious about buying, and in a position to do it.

If you have all your documents in hand and have spoken to one of our advisers, we can send approval in principle the same day, depending on your circumstances and research. However, processing time will depend on the lender and the current market conditions and take take up to a few weeks. We ensure we follow up throughout the entire process to facilitate as speedy an application as possible.

Sometimes people who try to organise a mortgage themselves are unsuccessful due to the loan amount or come across credit issues they don’t know about or have a low score. In this case, we can speak to someone the same day to find a suitable lender to fit their circumstances. One size doesn’t fit all and the benefit of an independent broker is we are aligned to your outcome, not an individual lender.

We have appointments 7 days a week, and we offer evening appointments for people who cannot attend during working hours. In addition, we have a team of experienced advisers who can see you the same day.

Our experienced mortgage brokers can advise on many things, including support with recommendations for a great Estate Agent, a lawyer, wills, pensions etc.; however, specifically to your application: What documents should I gather in advance? How can I increase my chances of being eligible for a mortgage? What are the best mortgage options for first-time buyers? What insurance products are necessary and what are recommended? Which is better for me: a shorter fixed or a more extended period? When is the best time to remortgage in the future?