Frequently Asked Questions

I'm thinking about a mortgage, what's the first thing I should do?

Before doing anything else you should check your credit file, You can do this by clicking here to sign up for a free trial to CheckmyFile.

Please be aware that by clicking onto the links below you are leaving the Gary Poyntz Mortgage and Protection website. Please note that neither Gary Poyntz Mortgage and Protection Ltd or Connect IFA are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.

How do I know if I qualify for a mortgage with adverse credit?

Qualification depends on various factors including the nature and age of your adverse credit, your income, and your overall financial profile. I assess each case individually to find the best possible solution. If I can't help you there will be no fee.

Do you provide services for self-employed individuals?

Absolutely. I have extensive experience assisting self-employed clients secure mortgages and protection products, understanding the complexities of their income and financial documentation.

What documents will I need to provide as a self-employed applicant?

Typically, self-employed applicants will need to provide tax returns, bank statements, and proof of income. I will guide you through the specific documentation requirements based on your circumstances.

How many lenders do you have access to?

I have access to over 200 potential lenders so in most cases I can help you with your mortgage needs.

What protection services do you offer?

I offer a variety of protection services including life insurance, critical illness cover, income protection, as well as buildings and contents insurance to safeguard you and your family.

How long does the mortgage application process take?

The process can vary but generally takes between 4 to 8 weeks from application to offer, depending on the complexity of the case and lender requirements.

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