Mortgage advice at your own kitchen table, after work, with every fee written down before you sign.

One independent adviser, the whole of the market, and no call centre behind her.

A man at a kitchen table with papers and coffee, a woman standing behind him with a hand on his shoulder.

Your first home

What you can borrow, what the deposit really needs to be, and the costs nobody mentions.

A man at a kitchen table with his hand over his face while a woman reads a letter beside him.

Your fixed rate is ending

Start six months before. We'll compare your lender's offer with everyone else's.

A man reading a sheet of paper at a breakfast table, his head resting on his hand.

Self-employed

Two years of accounts, the right lender, and no apology for how you earn your living.

An older couple on a sofa going through printed documents together.

Later in life

Borrowing past sixty, retirement mortgages, and helping children with a deposit.

A smiling woman in a dark jacket holding up a set of house keys.

Moving house

Porting the mortgage you have, or not, and timing two sales so nobody is homeless for a week.

A couple in a kitchen smiling as they read a letter together.

Buying with a friend

Two names on the deeds, a written agreement, and what happens if one of you wants out.

An adviser in a suit holding a small model house in one hand, a calculator under the other.

How it works

A free first evening

An hour at your table. What you earn, what you owe, what you want. No forms that night.

Three options, on paper

The best three deals for you from the whole market, with the total cost over the fixed period, not just the rate.

I do the chasing

Application, valuation, solicitors, the lender's questions. You get a text at every step.

What it costs you

A fixed fee, paid only when you have a mortgage offer in writing. If it doesn't happen, you pay nothing.

A small wooden model house on a desk beside a calculator and a pen on papers.

Remortgage

£295

Same house, better deal.

A small copper-coloured house-shaped money box with a coin and a blank card on a wooden shelf.

Buying a home

£495

First home or next home.

A white model house with a red side on house plans, next to a magnifying glass.

Complicated

£695

Self-employed, later life, two names that aren't a couple.

How I'm paid, in pounds

Most advisers are paid twice: once by you, once by the lender. So am I. Here is what that looked like on a real-sized example, a £220,000 mortgage for a first home.

The lender's payment doesn't change which lender I recommend; they all pay within a few pounds of each other, and I'll show you the figure for yours before you apply.

Who pays	How much
You, on the mortgage offer	£495
The lender, when the mortgage completes	about £770
Anyone else	nobody
Total, for about eleven hours of work	about £1,265

Evenings and Saturdays

Tuesday to Thursday from six, and Saturday mornings. Daytime by phone.

What to have ready

Three months of payslips and bank statements, your ID, and a rough idea of what you spend.

Regulated

Authorised and regulated, with the register number on every letter. Your home may be repossessed if you don't keep up repayments.

A free first evening

Tell me roughly what you're planning; I'll ring back the same day to find an evening.

Ring Homeward