FAQ

Common questions, answered.

Everything you need to know about working with FORTO Finance - from your first conversation to completion.

Frequently Asked Questions

Common questions, answered.

A mortgage broker searches the market on your behalf to find the right deal for your circumstances - handling the research and paperwork so you don't have to.

This depends on your income, outgoings, deposit, and credit history. Speak to us directly and we will give you a clear, accurate figure based on your actual situation.

Most applications will require proof of identity, proof of address, recent payslips or tax calculations, and bank statements. We'll tell you exactly what is needed once we understand your circumstances.

Yes - we specialise in cases that don't fit the standard mould. Self-employed income, multiple income streams, previous credit issues, or foreign nationality, our specialist panel includes lenders who understand the nuances.

We will be transparent about any fees from the outset, before you commit to anything. In many cases, we are paid by the lender, not by you. Any free arrangement will be confirmed in writing.

Yes - a decline often means the wrong lender was approached, and we will identify those whose criteria better matches your circumstances and reapply with the strongest possible case.

It depends on the product and your circumstances. A straightforward residential mortgage typically takes 4-8 weeks from application to offer. Bridging and commercial finance can move faster. We'll give you a realistic timeline at your first consultation.

We stay with you through to completion. Esmé manages the operational side - liaising with solicitors, lenders and agents, so you don't have to chase anyone yourself.
→

Still have questions?

No obligation - first consultation is free.

Start a Conversation

FORTO Finance is a trading name of Debt Advisory London Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 968405). Registered in England & Wales, company number 13563252. Registered office: 101 New Cavendish Street, London, W1W 6XH. FORTO Finance is an Appointed Representative of Altura Mortgage Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 827849).

Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage rates are subject to change and individual circumstances.

A summary of our internal complaints handling procedure for the reasonable and prompt handling of complaints is available upon request. If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567. Not all forms of mortgages are regulated by the Financial Conduct Authority.