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Frequently Asked Questions

Below are some common questions we are asked.  Simply click a question to see the answer.

If you need any more information, then simply speak to an expert today.

  • Why is it important to get impartial advice?
  • How do I go about buying my first property?
  • How much can I borrow?
  • How much will my monthly payments be
  • I would like to raise additional capital
  • I want to stay in my home and get a better rate (remortgage)
  • How long will it take to get a mortgage?
  • I have had credit problems in the past
  • I am not a UK citizen or resident
  • I want to purchase a property to let out
  • Difference between repayment and interest only
  • What are the different types of mortgage products?
  • What will happen if the Bank of England Base Rate rises?
  • Option to purchase my council property
  • I want to build my own house
  • What is a mortgage?
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

TJ Oliver & Associates charge a fee for financial advice dependent upon circumstances. Typical fee £200 application fee and £200 completion fee. This is in addition to commission that we receive from the Lender.

 We also offer a fee only option for mortgage advice. The amount will depend upon your circumstances but we estimate this will usually be a fee of 3% of the mortgage amount plus a fee of £200 payable on completion. Any commission paid by the lender will be used to reduce the fee payable.

The overall cost for comparison is 8.7% APR for customers who may have their access to credit restricted.

T J Oliver & Associates is an Appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Services Authority. Registration number 305330, in respect of mortgage and insurance mediation activities only.
Details of which can be found by visiting www.fsa.gov.uk