How much deposit do I need for a mortgage?

Most buyers aim for 5–10%. A bigger deposit (15–25%) can unlock better rates. For buy-to-let, lenders often want 25%+.

How long does it take to get a mortgage offer?

Typically 2–4 weeks from full application, sometimes 4–6 if the case is complex. Speed depends on documents, valuation, and solicitor checks.

What documents will a lender ask for?

Photo ID, proof of address, last 3 months of payslips and bank statements, proof of deposit, details of loans/credit cards. Self-employed/contractors: recent tax calculations/SA302s and tax year overviews (usually 1–2 years), or contract/day-rate evidence.

Can I get a mortgage if I’m self-employed or a contractor?

Yes. Lenders look at consistent income rather than just job type. With the right paperwork (accounts, SA302s, contracts), there are plenty of options.

What costs should I budget for besides the deposit?

Possible extras include lender fees (arrangement/valuation), broker fee (if charged), conveyancing/solicitor, survey, searches, Stamp Duty (if due), moving costs, and insurance.

Should I choose a fixed or a tracker rate?

Fixed gives payment certainty for a set period. Tracker can be cheaper at times but moves with the base rate. The right choice depends on your budget, risk tolerance, and plans.

Mortgage Broker in Olney

Clear advice from whole-of-market mortgage broker. Whether you’re buying your first home, remortgaging, or investing in property, we help you secure the right deal without hidden fees from the comfort of your own home or office.

Learn More

Enquire now

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Near you, No matter where you are

More than mortgages, we cover the whole journey

Whole-of-Market

With access to over 90+ lenders

250+

5 Star Reviews

● Near you, No matter where you are
More than mortgages, we cover the whole journey

● Whole-of-Market
With access to over 90+ lenders

● 250+
5 Star Reviews

Who To Trust When Buying a House?

Everything You Think You Know About Deposits: Is Wrong!

Mortgage Services

Tailored mortgage solutions for every stage of your property journey, whether you're buying your first home, moving, investing, or improving your current property.

Includes:

- First-Time Buyers in

- Residential Mortgages

- Buy-to-Let Mortgages

- Remortgaging

- Home Improvement Mortgages

- Porting Mortgages

- Debt Consolidation Mortgages

Property Support

From surveys to solicitors and removals, we connect you with trusted professionals to ensure a smooth property transaction.

Includes:

- RICS Surveys (Level 2 – Home Buyers, Level 3 – Full Structural)

- Solicitors (Partner Firms for Buying/Selling)

- Selling or Buying (Recommended Estate Agents)

- Removals (Partnered Firms)

Mortgage Broker in Olney

Enquire now

Expert Mortgage Broker & Advisor in Olney

Mortgage Services

Insurance Solutions

Property Support

Wealth & Estate Planning

Who We Help

First-time Buyers in

Olney, Buckinghamshire

Moving House in

Olney, Buckinghamshire

Older borrowers in

Olney, Buckinghamshire

Shared ownership & Help to Buy in

Olney, Buckinghamshire

Remortgaging Homeowners in

Olney, Buckinghamshire

Self-employed applicants in

Olney, Buckinghamshire

Buy-to-let investors in

Olney, Buckinghamshire

Why Choose an Independent Mortgage Broker in Olney, Buckinghamshire?

At Mortgage Brokers Near Me

10+

90+

7000+

5*

Our Process

FAQs

Local Mortgage Market Insights from a Leading

Olney, Buckinghamshire

Mortgage Broker

Get in touch.

Main

Social

MBNM