FAQs

A mortgage advisor saves you time, stress and uncertainty. At Emma Mortgages, we search the market for you, handle the paperwork, deal with lenders on your behalf and guide you through the entire process — from first chat to completion. We also help you avoid applying for mortgages you’re unlikely to be accepted for, which can protect your credit score

We assess your income, outgoings, credit history and goals, then recommend the most suitable mortgage for your circumstances. We manage the application, liaise with lenders, estate agents and solicitors, and support you right up until you receive your keys.

This depends on your income, outgoings, credit history and the lender’s criteria. As a guide, many lenders offer between 4–4.5 times income, but this varies. We’ll calculate what’s realistic for you and help you understand your options before you start house‑hunting.

Yes — Emma Mortgages charges a fixed fee, which is explained clearly at the start of the process. This fee is only payable once you receive a mortgage offer. We’ll always be transparent about costs so there are no surprises.