Compare the service before starting an application
An initial conversation is a chance to establish what an adviser offers and what you would pay for it. If you prefer Malayalam, ask how that support works throughout the application. This English-language checklist helps you compare services on more than the comfort of the first call.
Who is responsible for the advice?
Ask for the firm’s name and reference details, then check its permissions using the FCA’s services. If it is an appointed representative, check the principal firm and the activities covered. Use independently checked contact details before sending sensitive information.
Which lenders and circumstances does the service cover?
Ask whether the adviser works with a limited panel or a broader range of lenders, and whether there are products they cannot access. Explain any visa, self-employment or overseas income details so they can confirm relevant experience. Avoid treating a broad description of their service as proof that every lender is available.
What would I pay, and when?
Request a written explanation of advice or arrangement fees, lender commission and any refund conditions. Ask what happens if an application is declined or you decide not to proceed. The initial Hub enquiry is free and without obligation; the introduced firm may charge for its service.
How will I understand the recommendation?
Ask who will explain the mortgage illustration in Malayalam, how follow-up questions are handled and what happens if that person is unavailable. Request a list of missing evidence and unresolved lender checks. Be cautious about promises of approval before the lender has assessed the application and property.
Keep a short comparison record
Write down each firm’s service, fees and communication arrangements, together with any questions they have not answered. Use the calculator and linked guides below to prepare your figures, then request advice when you want a personal assessment.
Use the tools, then request tailored help if you need it
The strongest path through Hub is usually simple: understand the topic, test the numbers, then request professional guidance if your case needs a more specific view.