FAQs
These FAQs provide answers to some of the most commonly asked questions about go2mortgages.
There are a number of different fees that will occur during the home buying process. You will need to appoint a solicitor to handle the legal work. You may also have to pay Stamp Duty depending on status and purchase price of the property in question. It is important to not forget smaller expenses such as valuation of the property, removal costs and buildings insurance. Early on in the process, we will help you identify the particular costs you will incur and encourage you to plan for this accordingly.
Being self employed does not prohibit you from getting a mortgage. Typically, you would need at least two years accounts but there are lenders that will consider you after only one year trading. Obviously, this would depend on circumstance and size of deposit. If you are self employed and want to discuss whether you would qualify or how to prepare to attain a mortgage, please get in touch.
This can range hugely, depending on the complexity of the case and the circumstances of the applicants involved. Typically, our experience tells us that an average time frame from finding a property to getting the keys (completion date) would be 10-12 weeks. However, issues can arise from different parties within the process, which can slow things down considerably.
Come and see us! Before you begin to house hunt, we can help you calculate how much you will be able to borrow and give you a better understanding of the house buying process. Naturally, there may be things you haven’t considered such as legal fees, stamp duty etc which we will guide you through. This will put you in a more informed position going forward so you can make a better judgement when house hunting.
The amount of deposit you need is worked out as a percentage of the value of the property and you borrow the rest in the form of a mortgage. The largest mortgage you are able to take is 95%, therefore the minimum deposit you need is 5%. A popular method of assisting first time buyers to purchase their first home is where their extended family provides the funds for deposit. There are a number of specialist products in this field which we can access and discuss.
The fee we charge is dependent on the complexity of the case. For the vast majority of the work we do, we will charge a fee of between £295 - £395. There are occasions where we do have to charge more than that, but if we do, this will be disclosed from the outset. We DO NOT charge the fee until both parties have agreed to move forward and the administrative work has begun. Therefore, initial meetings are free of charge.
“Fantastic experience with Go2Mortgages. Liam was really responsive and very knowledgeable. Our mortgage ended up being more complicated than we realised and Liam worked quickly to find the best deal for us. Couldn’t recommend Liam and team highly enough. Thank you!”
Claudia S
Posted on Google 05/04/2025
“Would recommend to absolutely anybody, Go2Mortgages is amazing! We have had and used their services for a year in the process of 2 different process, and Liam and his team gave us so much attention, care and had so much patience with us, our doubts and our processes (which was a bit of a hard one). I've been recommending their services to everybody, and will use them every time!”
Maria Eduarda Amorim
Posted on Google 02/04/2025
“Liam has been absolutely incredible in helping us along with our journey of buying a house. We experienced difficulties with our agents and vendors and Liam helped us at every stage to make sure we were getting the best deal at all times. Always on hand to speak with you and always willing to explore other ways to help. I couldn't recommend the team there enough!”
Chris Turley
Posted on Google 31/03/2025
“Liam and the team have been a true pleasure to work with. Nothing was ever too much trouble, and he was always available to answer my questions while helping me find the right mortgage. The thoughtful aftercare and a personal thank-you note were wonderful touches that are rare these days. This is my second mortgage with Go2, and the advice I’ve received has always been top-notch. I truly feel a sense of trust, knowing they’re not just pushing the best deal for them, but the best deal for me. Thank you, Liam and everyone at Go2”
Martin Cruse
Posted on Google 26/03/2025
“I recently had the pleasure of working with Aggie from Go2Mortgages, and I cannot recommend her highly enough. She was incredibly helpful in guiding me through the process of selecting the right insurance plan, especially considering my previous accident and health issues. Aggie demonstrated a remarkable level of competence and knowledge, making the entire experience much easier to navigate. She presented the information in a clear and understandable manner, which I greatly appreciated. What stood out the most was her ability to recommend the best option for me, ensuring that both I and my daughter would feel safer with a plan tailored to our needs. Thanks to Aggie's expertise and support, I now have the peace of mind I was looking for. Thank you, Aggie!”
Kate Schmidt
Posted on Google 27/02/2025
“My partner and I could not recommend Go2Mortgages enough! We had Phil for mortgage advice - he’s brilliant, and was always prepared for any (lots of) questions we had. And the brilliant Aggie for help with life insurance. Aggie is so attentive and super helpful! Everything is prompt and communication is clear. Could not fault them!”
Hannah Wardrop
Posted on Google 27/02/2025
“Liam was absolutely fantastic. He was always contactable and made a complicated process extremely easy. Our fee covered us from start to completion even after our initial property fell through. I can’t recommend them enough.”
Josh Chadwick
Posted on Google 27/02/2025
“Liam and his team were absolutely fantastic. Go2 assisted us with the mortgage & home insurance for our house purchase and also put life insurance in place. Our purchase took over 10 months, so we had to apply for another mortgage as the first one had expired. All communication was dealt with promptly, everything sent was very clear and in summary, Go2Mortgages are just very easy to deal with. Would 100% absolutely recommend Go2 should you have any mortgage or protection needs.”
Craig Baker
Posted on Google 27/02/2025
“Go 2 mortgages are fantastic. From the first point of contact they have been easy to talk to and always respond quickly. Liam and the team are fantastic and so thorough to make sure getting the best deal for you and your family!!! Aggie was also fantastic with insurances and we are now fully covered within our budget which is fantastic! Thank you all for helping us buy our family home & make sure we are covered if the worst were to happen!”
Jessica Tregar
Posted on Google 20/01/2025
