Home / Mortgages
Fee free mortgage advice.
Mortgage advice in Dorset that costs you nothing. We're paid by the lender, not by you. Face to face at our Weymouth office, at your kitchen table, or on video.
How we're paid
£0 to you.
The lender pays us a procuration fee when your mortgage completes. We'll tell you the amount before anything is signed, and it never changes which deal we recommend. ← confirm wording
Whatever stage you're at.
Pick the one that sounds like you. Each page explains what happens, what it costs (nothing) and what to have ready.
How it works
Four steps, and we do the chasing between them. A decision in principle usually takes a day or two. A full offer, a few weeks depending on the lender. That's normal.
Get in touch
Book online or call. Tell us roughly where you are and what you are hoping to do.
Free consultation
An hour in Weymouth, at yours, or on video. Income, deposit and plans, and a realistic figure.
Our recommendation
We search the market and come back with the deal we would choose and why, in plain English. You decide.
We handle the rest
Application, lender, solicitor, valuation. We chase so you do not have to, and we are still here after completion.
Quick numbers
What might a mortgage cost each month?
Slide the numbers around and get a feel for it. The real answer, the one that takes your income, deposit and the whole market into account, is what the free consultation is for.
More calculators →This calculator gives an indication only and is not a mortgage offer or advice.
Why Quaystone
A knowledgeable friend across the kitchen table, rather than a bank.
The market, not one bank
Deals from a wide range of lenders, including some you won't find on the high street. ← confirm whole-of-market status
Self-employed, complex income, unusual property
Most lenders don't mind, but a few do. Knowing which is which saves wasted applications.
The bigger picture, when you want it
Sorting the mortgage is often when people first look at protection and pensions. Same adviser, whenever you're ready.
Questions
Things people ask us first
If yours isn't here, it's a good reason to call.
Yes. You pay no broker fee for our mortgage advice. The lender pays us a procuration fee when your mortgage completes, and we tell you the amount before you commit to anything. It does not change which deal we recommend. Wording to be confirmed with Quilter compliance.
It depends on your income, outgoings, deposit and the lender. Most lenders work from a multiple of income, but each has its own view on bonuses, self-employment and existing debt. The first conversation gives you a realistic figure rather than a website estimate.
Usually a day or two once we have your documents. It is a soft check with a lender that says, in principle, they would lend you a given amount. Estate agents often want to see one before taking an offer seriously.
Not usually. Most lenders want two years of accounts or tax returns, a few will accept one. We know which lenders are comfortable with which kind of income, so you apply to the right one first time.
About six months before. Many lenders let you lock in a new rate that far ahead, and if rates drop before you switch we can usually move you to the lower one.
No. The office is there if you want it, but we also come to you anywhere in Dorset, or do the whole thing over video and email.
Your home may be repossessed if you do not keep up repayments on your mortgage. Some Buy to Lets are not regulated by the Financial Conduct Authority.
Let's get you a clear answer.
A free, no-obligation chat about where you stand and what's possible. Bring your questions; a payslip helps but isn't essential.