FAQs

No, your initial meeting with us is completely free of charge. It’s an opportunity for you to get to know us, ask any questions, and find out how we can help. There’s no pressure or obligation to proceed.

We recommend allowing around 45 to 60 minutes. That gives us enough time to understand your situation, explain how we work, and answer any questions you may have.

Not at all. The initial meeting is simply a chance to explore whether we’re a good fit for your needs. We’ll outline what we can offer, and then the decision is entirely yours.

Booking is easy – you can call us, email us, or fill in the contact form on our website. We’ll arrange a time that works for you, whether that’s in person, by phone, or over video call.

Yes, we work from a comprehensive panel which is representative of the whole of the market to find what’s right for you. That means we can search across a wide range of providers – not just a limited panel – to find the most suitable deal or product for your circumstances.

Yes. Bespoke Home Finance Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority, which means we follow strict rules designed to protect you and ensure fair treatment at all times.

We’ve got you covered. If James is on annual leave, a trusted locum will step in and look after things in the meantime, ensuring your application or policy continues to progress smoothly.

Our fees can vary depending on the complexity of your case, but we’ll always explain them clearly upfront. You’ll know exactly what you’ll pay, and when, before we begin any work on your behalf.

In most cases, we charge a fixed fee. This gives you clarity and peace of mind, knowing exactly what the cost will be. We’ll always confirm this before you proceed.

Yes, we may receive a commission from the mortgage lender or insurance provider we place your business with. If that’s the case, we’ll always disclose it clearly and transparently.

No, our fees are not subject to VAT.

A broker like us can access a wide range of lenders and deals, not just those from one bank or provider. We also offer personalised advice, help you navigate the paperwork, and support you from start to finish, increasing your chances of a successful application.

Typically, you’ll need proof of ID, proof of address, recent payslips or accounts (if self-employed), bank statements, and details of any debts or financial commitments. Don’t worry – we’ll guide you through exactly what’s needed.

A mortgage calculator is an online tool that gives you an estimate of what your monthly repayments could be based on loan size, interest rate, and term. It’s a helpful starting point, but not a substitute for tailored advice.

Fixed-rate mortgages are currently the most popular choice in the UK, as they offer predictable payments and peace of mind, especially when interest rates are uncertain.

Lenders may be cautious about missed payments, high levels of unsecured debt, payday loans, low credit scores, or inconsistent income. Being upfront and getting advice early can help you present your application in the best light.

From application to offer, it usually takes between two and eight weeks, depending on your circumstances and the lender’s timescales. We’ll help keep things moving and keep you informed every step of the way.

Yes, it’s often possible, though your options may be more limited. We’ll assess your situation and help you understand what’s available, including any specialist lenders that may be able to help.

Property can be a solid long-term investment, especially if values rise or you generate rental income. However, it’s important to weigh up risks, costs, and your financial goals – something we can help you with.

Ideally, as early as possible – regardless of whether you’re thinking about buying, moving, or remortgaging. Early advice can help you understand your options, prepare your finances, and avoid delays later.

Look for FCA authorisation (which you can verify on the FCA register), check reviews and testimonials, and ensure the adviser is clear, transparent, and takes the time to understand your needs.

An insurance adviser helps you find the right protection for your needs – from life cover to critical illness and income protection. They’ll explain the options clearly, help you avoid gaps in cover, and ensure you’re not paying for things you don’t need.

It depends on the type of cover, your age, health, lifestyle, and the level of protection required. We can provide personalised quotes, so you know exactly what’s affordable and suitable for you.

It’s not a legal requirement, but many lenders recommend it – and it can be a wise move to protect your family and home should the unexpected happen. We can help you decide what’s right for your situation.

Provided your application was accurate and the claim meets the policy terms, insurers pay out the vast majority of claims. We’ll help you apply correctly and understand exactly what’s covered, giving you peace of mind from day one.