Frequently Asked Questions
Welcome to the Arden FS FAQ page! Here, you’ll find answers to some of the most common questions about our mortgage services. Whether you’re wondering how our process works, what mortgage options are available, or the best way to secure a great deal, this section is designed to provide you with all the information you need. If you don’t find what you’re looking for, don’t hesitate to get in touch – our team is here to assist you every step of the way.
Arden FS is a mortgage advisory service dedicated to helping clients secure the best mortgage solutions, whether they are first-time buyers, remortgaging, or expanding their property portfolio.
We offer a hassle-free process, transparent deals with no hidden fees, expert guidance from experienced professionals, and tailored mortgage solutions that suit your lifestyle and budget.
We believe in transparent pricing. Some services may be free, while others may involve a fee, depending on the mortgage product you choose. We will always explain any costs upfront.
We offer a range of mortgage options, including first-time buyer mortgages, remortgages, buy-to-let mortgages, and specialist mortgages for unique financial situations.
Our experienced advisors will assess your financial situation and goals to recommend the best mortgage option for you.
Yes, we specialise in helping self-employed individuals secure mortgages by working with lenders who understand variable income structures.
Typically, you’ll need proof of income, bank statements, identification, and details of your expenses and debts. We’ll guide you through the exact requirements.
The minimum deposit is usually 5-10% of the property price, but a larger deposit may help you secure better mortgage rates.
The process can take anywhere from a few days to several weeks, depending on your circumstances and the lender’s requirements.
Yes, we work with specialist lenders who offer mortgage solutions for those with less-than-perfect credit histories.
A mortgage agreement in principle (AIP) is a statement from a lender indicating how much they may be willing to lend you, based on an initial assessment.
Remortgaging involves switching your current mortgage to a new deal, either with your existing lender or a different one, often to get better rates or release equity.
Possible costs include arrangement fees, valuation fees, legal fees, and broker fees. We’ll explain all costs clearly before you proceed.
Many lenders allow overpayments, which can reduce your mortgage term and overall interest paid. However, some may charge early repayment fees
A fixed-rate mortgage has an interest rate that stays the same for a set period (e.g., 2, 5, or 10 years), providing stability in monthly repayments.
A variable-rate mortgage has an interest rate that may change, meaning your monthly repayments could go up or down.
Yes, we offer buy-to-let mortgages designed for property investors looking to rent out their properties.
A repayment mortgage reduces both the loan and interest over time, while an interest-only mortgage requires you to pay the loan balance at the end of the term.
While not mandatory, using a mortgage advisor can help you find the best deals, navigate complex applications, and save time and money
You can contact us via phone, email, or our online booking system to arrange a free consultation with one of our expert mortgage advisors.