Frequently Asked Questions

Yes, Elementary Mortgage Solutions Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority. We are registered in England and Wales with registration number 10469487.

Yes, beyond mortgage advice, we also offer:

• Life cover
• Critical illness cover
• Income protection
• Family income benefit
• Buildings and contents insurance

Yes, we have access to a wide range of specialist mortgage products designed for individuals who may not meet the rigid criteria of high street lenders. This includes solutions for those with poor credit ratings, self-employed individuals, and those looking to develop a self-build property.

The process of applying for a mortgage varies and can take anywhere from 2 weeks to 3 months depending on your individual circumstances and the complexity of your case. We will keep you informed every step of the way until you receive your mortgage offer from the lender.

No, we provide a flexible, modern approach to mortgage advice. Our mortgage advisers will come to you at your home or place of work at a time that suits you, including evenings and weekends.

We believe in complete transparency. During our discussions, we will explain all costs and fees involved with your chosen products, including any lender fees, valuation fees, legal fees, and our broker fees if applicable.

Absolutely. We understand the challenges self-employed individuals face when applying for a mortgage. We work with lenders who have flexible criteria for self-employed applicants and can provide advice on which lenders are best suited to your situation.

Typically, you will need:

• Proof of identity (passport or driving licence)
• Proof of address (utility bills, council tax statements)
• Last 3 months’ payslips and P60 (if employed)
• Last 2-3 years’ accounts or tax returns (if self-employed)
• Last 3 months’ bank statements
• Proof of deposit
• Details of any existing loans or credit commitments

A fixed-rate mortgage maintains the same interest rate for a set period (typically 2-5 years), providing predictable monthly payments. A variable-rate mortgage has an interest rate that can change, usually in line with the Bank of England base rate or the lender’s standard variable rate (SVR)

Yes, we specialise in Buy-to-Let mortgages and can help both new and experienced landlords find competitive mortgage deals. We understand the specific requirements of lenders in this area and can guide you through the process.

We offer a range of protection products including:

• Life insurance to provide a lump sum payment if you die
• Critical illness cover which pays out if you’re diagnosed with a specified serious illness
• Income protection to provide regular payments if you can’t work due to illness or injury
• Family income benefit which provides a regular income to your family if you die

Yes, we pride ourselves on building long-term relationships with our clients. We’re always available to answer questions and will make regular contact to ensure you’re happy with your mortgage product. We’ll also help you find your next mortgage when your current deal ends.