No. A mortgage adviser does not need to be in the same town as you or the property. The important point is that any recommendation is based on your circumstances, the proposed property and the lender’s criteria.

Conrad Financial Services is based in Parkstone, Poole and provides mortgage and protection advice by telephone and video across England and Wales. Adviser visits can be discussed by arrangement.

The deposit required depends on the property, the lender’s criteria and your circumstances. Your income, regular commitments, credit history and whether you are buying a house, flat or another property type may affect the mortgages available.

A larger deposit can sometimes provide access to a wider range of products, but this is not guaranteed. Area-average house prices do not determine the deposit you personally need.

Lenders normally consider income, expenditure, existing credit commitments, deposit, credit history and the proposed property. Each lender applies its own affordability assessment and criteria.

The Dorset and BCP figures on this page are market context only. They are not a borrowing limit, valuation or indication that a mortgage will be available.

Yes. We can help first-time buyers understand their potential budget, deposit, wider buying costs, application process and the information a lender may require.

If appropriate, we can also help arrange an agreement in principle. This is not a mortgage offer and remains subject to the lender’s checks, valuation and underwriting. Legal advice and property surveys should be obtained from appropriately qualified professionals.

Potentially, yes. Lenders do not all assess self-employed, company-director and professional contract income in the same way. Depending on your circumstances, they may consider accounts, tax calculations, salary and dividends, retained profits or current contracts.

Conrad Financial Services can review how you earn and research suitable options. Mortgage availability remains subject to lender criteria, affordability checks and assessment.

They can. The lender will assess the individual property as well as the applicant. For example, construction, condition, lease terms, service charges, access, flood information or intended use may be relevant, depending on the home.

Your conveyancer and surveyor should provide the relevant legal and property advice. Conrad Financial Services can consider the information that affects the mortgage, but a Dorset postcode alone does not determine lender acceptance.

It can be useful to start before your current deal ends, allowing time to compare a new deal with your existing lender against remortgaging elsewhere. The right timing depends on your present mortgage, early repayment charges, circumstances and future plans.

A lower interest rate does not necessarily mean a lower overall cost after fees and charges. Any recommendation follows an individual assessment.

Yes. Conrad Financial Services can discuss life insurance, critical illness cover and income protection alongside a mortgage or as a separate protection enquiry.

The appropriate type and amount of cover depends on your needs, existing arrangements, employer benefits, savings and budget. Cover is subject to the insurer’s terms, exclusions, underwriting and acceptance.

Your initial conversation is free. Conrad Financial Services charges a non-refundable mortgage advice fee of £500, payable on application.

The service and applicable fee will be explained before you decide whether to proceed. Other lender, valuation, legal or property-related costs may also apply depending on the transaction.