Something we pride ourselves on is not taking upfront fees, we only charge our administrative fee once you receive confirmation that the chosen lender will issue your mortgage – we are keen that you only pay for what you requested! So for Tim and Patrick to best advise you, they need to have a clear picture of you and your situation and everyone is unique, including you! Based on the information you provide and with access to a full range of products, they will recommend and help you understand the type of mortgage best suiting your needs. Even difficult or complicated situations have not proven a problem for them!