Everything from your first flat to your last remortgage
Whole-of-market advice, including lenders who only deal through brokers and never appear on comparison sites. Fee-free on mortgages, and always tailored to how service pay, postings and Forces Help to Buy actually work.
First-time buyers and movers
First posting, first home, moving out of quarters, or buying somewhere bigger for a growing family — we will tell you honestly what is possible now, and what a few months or a Forces Help to Buy application would change.
- Agreements in principle, usually the same day
- Forces Help to Buy accepted as deposit, with the lenders that handle it best
- 5% deposit routes, and family-assisted options if you have less
- Lenders comfortable with a BFPO or service accommodation address history
- Shared ownership, new build and staircasing later
Don't drift onto the standard variable rate
When a fixed rate ends, most lenders quietly move you onto their standard variable rate — almost always the most expensive option on the table. We start looking six months out so that never happens.
- Your lender's retention offer compared against the whole market
- Rates held early, then re-checked before completion if they drop
- Borrowing more for an extension, a loft or a kitchen
- Debt consolidation, where it genuinely leaves you better off
- Reviews timed around an assignment order rather than against it
An assignment order need not mean selling up
Being posted does not have to mean putting the house on the market. Consent to let keeps your existing mortgage in place while tenants cover it; let-to-buy frees you to buy again where you are going; a buy-to-let remortgage suits a longer hold. Each is assessed differently — buy-to-let on the rent the property will earn as well as your income — so we walk you through the numbers before you commit to any of them.
- Consent to let, including lenders who waive the usual rate change for serving personnel
- Let-to-buy when a posting moves you rather than a decision to sell
- First-time landlords and portfolio cases
- Limited company and personal-name structures explained
Please note: not all buy-to-let mortgages are regulated by the Financial Conduct Authority.
Talk through the numbers
Cover that actually covers service life
This is the part most people get wrong, and it matters more here than in almost any other job. Some standard life and critical illness policies carry war-risk or active-service exclusions — the cheapest quote is very often the one that would not pay out when it counted. We read the exclusions, set them against the cover you already hold through the service, and tell you honestly whether there is a gap worth filling.
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Life cover
Enough to clear the mortgage if the worst happens — placed with an insurer that covers serving personnel rather than one that excludes them in the small print.
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Income protection
Cover for the point at which service sick pay steps down, and for life after discharge. Particularly worth reviewing if you are approaching the end of your engagement.
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Critical illness
A lump sum on diagnosis of a covered condition. We compare what each insurer actually defines as covered, and what it excludes for those in service, not just the price.
Protection advice may carry a fee depending on your circumstances. We will always tell you the amount before you commit to anything.
The same standard on every case
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Whole of market
Every lender, including broker-only ones you can't reach yourself.
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Your pay statement, read properly
X-Factor, separation allowance and specialist pay, all counted wherever a lender will count them.
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We chase, not you
Lender, solicitor, estate agent — we handle the paperwork and keep you posted at every stage.
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Costs up front
Valuation, legals, stamp duty and lender fees, set out clearly before you decide anything.
Not sure which one you need?
That is fine — most people are not. Tell us roughly where you are at, and where you are posted, and an adviser will point you the right way.