We charge a £500 lifetime broker fee for purchase cases.

This is paid once and includes mortgage advice, application support, and property buying support such as pricing insight and negotiation.

You will not pay another broker fee again, including on future remortgages, giving you ongoing support as your circumstances change.

No. We do not charge broker fees on remortgages.

We review your current deal, assess the market and ensure your mortgage remains suitable, not just competitive on rate.

You can book a free consultation online via our calendar.

Appointments are available by phone or Microsoft Teams, making it easy to get started at a time that suits you.

Yes. Healthy Financial Services is a trading style of Commercial Connect, an Appointed Representative of Mortgage Connect (N.I.) Ltd, authorised and regulated by the Financial Conduct Authority (FCA 915845).

All advice is fully regulated, giving you clarity and confidence in the recommendations you receive.

Yes. We provide whole-of-market mortgage advice, comparing options across a wide range of lenders to find a solution that fits your circumstances.

Yes. We support beyond the mortgage, including property insight, pricing guidance, comparable analysis, survey considerations and liaising with estate agents.

We also use tools such as Sprift to assess property value, highlight potential risks and help you make informed decisions before committing.

Yes. We help you assess value and approach offers strategically using market data and property insight.

In many cases, the price you agree has a greater long-term impact than small differences in mortgage rates, so getting this right is key.

We keep the process straightforward and transparent.

It starts with a free 30-minute initial consultation, where we understand your goals and outline a clear plan.

We then gather your details through Mortgage Wallet and obtain a Decision in Principle (DIP), so you know your borrowing position before viewing properties or making an offer.

When buying, we help you assess properties, provide pricing insight and support negotiation, using tools such as Sprift where appropriate.

We then recommend a suitable mortgage from across the market, manage your application through to offer and advise on protection.

Once your offer is accepted, we support the conveyancing process, helping you compare options and track progress using tools such as Convi through to completion.

Yes. We regularly assist with:

• Self-employed income

• Multiple or variable income sources

• Credit history issues

We identify lenders suited to your situation, helping you move forward where others may not.

Yes. We advise on:

• Life insurance

• Critical illness cover

• Income protection

• Buildings & contents insurance

This ensures your home, income and financial position are properly protected alongside your mortgage.