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FAQ

Whether you’re buying your first home, expanding your property portfolio or simply remortgaging, our Advisers mortgage advice can be a great help. Taking independent advice can make the difference between a successful mortgage application and being rejected. It may also lead to a much better value deal as we have access to over 50 of the major Mortgage lenders in the UK, potentially saving you thousands of pounds over the mortgage term

Our mortgage advisers are not restricted to any particular providers, and will act solely in your best interests. You should be confident the deal they recommend will be the best available mortgage for your circumstances. Our mortgage advisers should also:

  • Explain the various mortgages available and the different types of deals
  • Advise you on how much you can afford to borrow
  • Have access to special mortgage deals that are not available on the open market
  • Help you prepare for your application to boost your chances of success
  • Be able to save you money overall by finding a mortgage with lower interest rates and fees

Remember that every unsuccessful mortgage application may harm your chances of success next time around, as each refusal will appear on your credit record. Using one of our mortgage advisers will maximise your chances of being accepted first time.

An initial meeting with a GHL Direct adviser to discuss your requirements is always at our advisers own expense and always without obligation. Our Mortgage Advisers charge according to the complexity of each individual case.

Some mortgage advisers will charge an up-front flat fee between £195 & £499, while others will take commission from the bank or lender providing the loan. Be sure to discuss fees at your first meeting with our Adviser. Ask how they are paid & what it will cost you.

There are several ways to connect to your most suitable Mortgage broker with GHL Direct.

The first & most efficient method is to use our adviser search feature. Just enter your postcode, town or city & we will list the advisers with relevant experience in your area, you can quickly view their profile and connect directly to them should you wish.

If you would rather we match you with an adviser, that’s easy too. Complete the quick contact form with you name & postcode and a few details about your requirements, our head office admin team will match you with the nearest suitable adviser and pass on your details for a no obligation callback at your chosen time.

There are several ways to connect to your most suitable Mortgage broker with GHL Direct.

At this point none whatsoever. You can use our mortgage calculator to find out how much you may be able to borrow, without having to sign up, pay any fees or send any documents to us. When we move on to submitting your application to a lender, we will need supply your documents to the lender, some of these may include:

To verify your identity
  • Passports and/or driving licences
To prove your address
  • Council tax, utility bill or a bank statement dated within the last 3 months
To prove your income
  • Your latest bank statement, showing the receipt of income and outgoings
  • Your latest payslip
If you’re self-employed
  • SA302 forms for the last 1 or 2 years

If for any reason we cannot find the best Mortgage or Protection solution for your needs we will inform you of the reasons and may propose alternative products or lenders.

GHL Direct and its Mortgage & Protection advisers operate under the GDPR laws so if all else fails or you simply decide you do not want to proceed we will delete all your documents and contact details within 12 months, if however you need us to do this immediately just ask your adviser to update our admin team.

Sometimes you just want a central point of contact to keep things in order. All our advisors have up to date market knowledge on the following services.

  • 1st Time Buyer Mortgages
  • Remortgages
  • Buy To Let Mortgages
  • Home Insurance
  • Life Insurance
  • Critical Illness Insurance
  • Income Protection
  • Pension & Investments

Our mortgage advisors will look for the best mortgage for you. They aren’t on the lender’s side, they’re on yours, and they’ll give you access to far more products than if you went direct. You should expect unbiased advice and to be able to choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you contact directly.

Our mortgage advisors won’t just advise you about your mortgage, they will also look at any related life insurance, payment protection and even buildings and contents cover you have.

They will recommend insurance based on your new mortgage arrangements to make sure you are fully protected in the event of:

  • Death
  • Critical illness (such as cancer, heart attack or stroke)
  • Redundancy.

Great, in-depth knowledge about the market and individual lenders – meaning they know who will be more likely to look favorably at your application. Multiple credit checks can harm your credit rating so essential to get this right, first time, every time where possible.

Mortgage advice tailored to your situation is a valuable service and can be very simple or very complex, for our mortgage advisor to be able to offer this service, they need to make money.

They do this by one or both of the following:

  • Charging a fee. This could be a one-off fee for advice, or a fee that pays for advice throughout the term of your mortgage. Rest assured, your adviser will inform you on any fees upfront.
  • Commission. Lenders and insurers may decide to pay the mortgage broker commission for putting your business their way.

Your initial consultation is always free & without obligation, no fees will be charged until you agree to proceed & are happy with our recommendations.