Browse our frequently asked questions to find the answers you need. Alternatively, if you have any other questions or would like to know more, please contact our team.

Are you restricted to certain lenders?

To a point but with over 100 available to us, we have a huge amount of choice available so based on your requirements and circumstances, we know where to go. To find out more, please get in touch for an initial discussion.

How long does it take to get a mortgage?

We are very efficient and the key is finding the right solution for you. With that in-mind it’s impossible to say how long it is on here but if you get in-touch we can certainly find out more about what you need and advise how quickly we can help you achieve that. To find out more, please get in touch for an initial discussion.

If I’ve been refused a mortgage elsewhere, can I still contact you?

Absolutely. Many of our previous clients have been refused elsewhere or offered unfavourable terms and come to us. To find out more, please get in touch for an initial discussion.

Do you charge a fee for your service?

There is no charge for our initial and no-obligation discussion and during that we will take you through our fees as relevant to the service you are looking for. If you decide to proceed then those fees will be due for the work we complete for you as agreed. To find out more, please get in touch for an initial discussion.

Do you cover a certain area in the UK?

We cover the whole country and thanks to how we use facetime, whatsapp, email, skype, text and the phone itself, we can provide a high level of service wherever you are. To find out more, please get in touch for an initial discussion.

I am hard of hearing / deaf, can a member of your team help me?

Yes! Our team member Matt is fluent in British Sign Language and is here to help over video calls or in person. Email us today and ask for Matt.

Our Jargon Buster

We appreciate that there are lots of terms associated to mortgages and protection which might be new to you. With this in mind, we’ve collated a list of common terms we use and provided an explanation of their relevance below. If you have any questions or would like to know more, please contact our team.

Agreement in principle

Once received, this means your mortgage application (or other financial service) has been agreed ‘in principle’ and is then subject to confirmation of the criteria upon which the application was based. For example the valuation of your property and your income will be verified and from there, all being well, the next step is to receive the offer.

Arrangement fee

This is the fee that the lender will charge for arranging the mortgage/cover. It is usually a one off fee and should be detailed within your paperwork received.

Bank rate

This is the basic rate of interest as determined by the Bank of England.


This is the moment when all legal necessities have been completed and your lender advances the funds for purchase. This is typically to an account held by your solicitor and at that time everything is complete.

Completion date

As per above regarding completion, this is the date that all parties involved in the chain expect to ‘complete’

Conveyancing fee

This is the fee you will pay a solicitor (or a licensed conveyancer) to cover the legal work for registering the property in your name. The final bill for this service should also include stamp duty, land registry fees and his or her disbursements.

Land registry fees

If you take out a mortgage or change an existing one on a property, this needs to be registered with the Land Registry, who will make a charge for amending the records.

Loan to value ratio

This is a simple ratio or percentage that expresses the proportion of a loan to the value of the property. In other words, if you’re looking to borrow £150,000 on a property valued at £300,000 you’d need to secure a 50% loan to value rate.

Mortgage Deed

The mortgage deed is the written legal agreement between you and your lender.

Negative equity

Is something you clearly want to avoid, since it arises when the extent of your borrowing is greater than the current market value of the property.

Procuration fee

The fee that a Mortgage Lender will pay to an introducer for introducing the business to that lender.

Redemption / Early Repayment charges

Redemption or Early Repayment charges are the penalty you’ll incur if you wish to repay your mortgage before the end of its full term.

Search fee

It will be important to make sure that there are no plans in the neighbourhood that might affect the future value of your home. For this, you need to ask the local authority to do a search for you and, of course, there is a charge.

Stamp Duty

This is a tax that is paid when buying property or land. It’s applied on a sliding scale. Please note: Stamp duty brackets change from time to time so be sure to check the Government website for the latest figures: https://www.gov.uk/stamp-duty-land-tax .

Contact Us

For more information about any of our services, please don’t hesitate to get in touch by calling us on 0203 3939 222 or by filling in the form below.

    Get in Touch
    Hannah D
    Hannah D
    07:42 09 Sep 19
    I would fully recommend Greg and Greenacre Financial Services. As a first time buyer I was daunted by the process of... finding the right mortgage for me however Greg made the process really simple, clear and quick. He was always available to answer any questions and happy to explain everything. I wouldn’t hesitate in recommending Greenacre FS to my friends and family.read more
    Jessica Cohen
    Jessica Cohen
    19:33 26 Aug 19
    We first met with Greg in May for advice as we had adverse credit and irregular pay and didn't think a mortgage was in... our reach. Less than two weeks later Greg had fully arranged a great deal for us on our first mortgage. He was available whenever we needed him, 7 days a week and in the evenings. We cannot thank Greg enough for helping us buy our first home!read more
    Seren Fletcher
    Seren Fletcher
    08:56 24 Aug 19
    Would highly recommend Greg and Greenacre Financial Services. Was extremely professional and helpful. Our mortgage... wasn’t straight forward due to my husband being self employed but Greg was very knowledgable and managed to find us a really good mortgage. Looking forward to working with him again in the futureread more
    13:24 23 Aug 19
    Graham at Greenacre was excellent in helping me get a mortgage for my house purchase. He was always available when... needed, provided an efficient service and was very knowledgeable. Highly recommended!read more
    Ian Hatter
    Ian Hatter
    11:07 16 Aug 19
    What can I say, Greg has been absolutely amazing in sorting out a mortgage for me I never thought was possible. It has... meant I have been able to buy a house, a few months ago, I would never have dreamed of being able to buy after talking to high street lenders. He worked exceptionally hard and always kept me updated with every step of the process. Buying a house is extremely stressful, but Greg took all that stress away from me. I cannot recommend Greg enough to anyone looking to buy a property. Thank you so much for your help Greg, it's greatly appreciated.read more
    Sean Kelly
    Sean Kelly
    15:27 30 Jul 19
    10/10 EXCEPTIONAL service and result. Highly recommend. Greg and the Greenacre Financial Services team were fast,... knowledgeable, and honest. All the qualities you want and need. Very pleased I was recommended to Greenacre. Customer for life!read more
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