Our promise to you is we will take time to understand your life long credit commitment. We will also understand your lifestyle choices and what works best for you.

We will understand and share your aspirations of house ownership and provide advice for you to keep your home for life. Our priority is to keep you and your family safe in your home.

We will understand your needs and your financial capacity and tell you if this is the best time for you to get a mortgage. If we ever feel your home will be at risk, we will advise against a mortgage at this time for you, as we want you to be comfortable and happy in your choices. We will therefore seek to advise you on how to improve your chances to get a mortgage.