How It Works
From first call to getting your keys — here's the journey, made simple.
How Our Mortgage Process Works
We start with a intial meeting to understand your unique situation and what you want to achieve. We provide, honest, straightforward advice from our family to yours.
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2. Gather
We'll collect the necessary documents to build your profile. Don't worry, we keep the paperwork to an absolute minimum so you aren't overwhelmed.
3. Source
As an independent, whole-of-market broker, we scour thousands of products to find the perfect mortgage tailored specifically to your family's needs.
4. Relax
Once we submit your application, you can lay back. We proactively manage the lenders, solicitors, and surveyors to keep everything moving fast.
5. Complete
The moment you've been waiting for! We ensure your funds are released smoothly so you can pick up the keys to your new home.
Mortgage advice that starts with your moment.
Start with where you are now. Whether you are buying, reviewing your deal, protecting your family or arranging specialist finance, we will guide you to the right next step without the jargon.
First home, next home, or a fresh start.
Clear advice for deposits, affordability, lender choice and the paperwork that happens between offer and keys.
Review the deal before the lender does.
A calmer route through product transfers, remortgages, rate changes and capital raising.
A stronger home for the work that makes Simply different.
Some careers and income structures do not fit standard lender boxes. We help present the full picture clearly, so the right lenders understand the case from the start.
Healthcare
Doctors, consultants, locums and NHS pay structures.
NHS pay, locum income and career progression explained clearly to specialist lenders.
SportsShort careers, bonuses and contract-led income.
Contract income, bonuses and short career windows treated with the care they need.
Politically exposed personsPEP Mortgages
Your public role is only part of your story. We help politically exposed persons navigate mortgage lender checks, explain their financial position and find a suitable route to buying or refinancing a UK property.
Armed Forces & service familiesArmed Forces Mortgages
Your next posting does not have to put your home plans on hold. We help service personnel and their families make sense of mortgage options around military pay, service accommodation and life in the UK or overseas.
Home Office, Border Force & Immigration EnforcementHome Office & Border Force Mortgages
Your mortgage application should explain your pay as clearly as your job title. We help Home Office staff, including Border Force and Immigration Enforcement officers, prepare for buying, moving or remortgaging.
HMPPS prison officers in England & WalesPrison Officer Mortgages
Buying a home should start with the pay you can evidence, not the highest figure in a job advert. We help HMPPS prison officers organise their income and plan a purchase, move or remortgage.
UK-based civil servants & Fast StreamCivil Servant Mortgages
Starting a government role or moving to your next posting? Bring your home plans and employment timetable together. We help UK-based civil servants consider mortgage options around appointment dates, contract changes and the cost of relocating.
Buying, moving or remortgagingPolice Officer Mortgages
Your payslip can tell several different stories. We help police officers explain their earnings to mortgage lenders and plan a purchase or remortgage around joining the force, changing roles or approaching retirement.
Independent advice, handled by people who know the detail.
You get straight answers, whole-of-market lender access and a team that keeps the process moving without making you chase for updates.
Useful numbers before we talk properly.
Use the calculators to get a quick sense of borrowing, repayments or stamp duty, then speak to us about how lender criteria may affect the real answer.
Borrowing estimate
Start with income and outgoings, then use the result as a conversation starter.
Monthly repayments
Check what different loan amounts, rates and terms might mean each month.
Stamp duty
Estimate the tax position before you start stretching the budget.
What the calculators cannot see
Credit history, lender criteria, property type and income structure still need human advice.
Turn a rough number into a plan
Use the result to ask sharper questions on the first call.