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FAQ's

Frequently Asked Questions

Q: What types of mortgages do you offer?

We provide a full range of mortgage options, including first-time buyer, remortgage, home mover, buy-to-let, and specialist lending solutions.

Q: How much can I borrow?

Your borrowing amount depends on your income, credit profile, deposit, and monthly commitments. We assess everything for you and give an accurate affordability estimate.

Q: Do I need protection insurance with my mortgage?

Protection isn’t mandatory, but it’s strongly recommended. Cover like life insurance, income protection, and critical illness ensures your mortgage and family are protected if something unexpected happens.

Q: Can you help if I have bad credit?

Yes—many lenders offer solutions for applicants with missed payments, defaults, CCJs, or other credit issues. We help you find suitable options based on your circumstances.

Q: How long does the mortgage process take?

Most applications complete within 2–6 weeks, depending on the lender, valuation, and how quickly documents are provided. We keep the process moving smoothly from start to finish.

Hollybeck Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Hollybeck Limited. Registered address: 81 Burton Road, Derby, Derbyshire, DE1 1TJ. Registered in England & Wales under number 10337505.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Our typical fee is £495.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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