Buying, moving or remortgaging? Tell us what you need the mortgage to do and what could make the application less straightforward. We can explain our advice service, the lenders and products we are able to consider, any fee, and what information a lender is likely to need. A broker can help you prepare and compare; the lender decides whether to make an offer.
A mortgage broker is an intermediary between you and a lender. The useful work goes beyond finding an advertised rate: understanding your aims and commitments, checking the evidence behind your application, explaining the lender range and comparing the costs and conditions of options that may be suitable. The adviser can help submit and follow an application, but cannot override the lender’s underwriting or the property’s valuation.
We begin with your purchase or remortgage plan, income, deposit or equity, commitments, credit history and timescale. An early conversation can identify what needs checking before a full application.
Ask which lenders and products our service considers, what might be excluded and why a recommendation is suitable for you. Compare the rate alongside fees, repayment method, flexibility and likely total cost over the period you expect to keep the deal.
We can explain the lender’s evidence requests, help prepare an application and keep you informed as it is assessed. Your conveyancer handles the legal work; only the lender can issue the mortgage offer.
Tell us whether you are buying your first home, moving, remortgaging or arranging a different type of property finance. Share your broad figures and any deadline. We will explain whether this service is relevant and what a first assessment can cover.
An adviser may ask about income, outgoings, deposit, credit history and the property. Before sending sensitive documents, use the secure route agreed with the adviser. Ask when any soft or hard credit search may be made.
If a suitable option is identified, ask why it fits, what it costs and what could still change. Read the mortgage illustration and written fee terms before deciding whether to proceed. An agreement in principle is not a mortgage offer.
The lender assesses the borrower and property and may request more evidence or a valuation. We can help you understand requests and next steps, while keeping the solicitor’s legal work and the lender’s decision separate.
Timing varies with the lender, property, evidence and wider transaction. We do not promise an approval date or result.
What matters is whether an adviser explains the options, fees and next steps in a way you understand. We link to Count Ready’s live Google profile so you can read comments in context rather than relying on selected quotations.
Reviews reflect past experiences. They cannot show what a lender will decide in your circumstances.
This page explains the general broker service. The following established Count Ready pages cover narrower decisions, so you can read the detail that applies to you without working through repeated generic advice.
Questions about your first purchase, deposit and adviser choice? Use the first-time buyer broker service.
Income evidence and trading structure may need a different conversation. See the self-employed mortgage broker service.
A default, CCJ or missed payment needs its own facts and timeline. Start with the bad-credit mortgage broker guide; it does not promise that any issue can be overlooked.
Compare the costs of staying, switching or borrowing for a rental property through our remortgage and buy-to-let broker pages.
Do not infer a broker’s lender range from a headline number or assume that every product is available through an intermediary. Ask which lenders and mortgage types can be considered for your case and whether any lender or direct-only deal is outside that range. A recommendation should explain suitability within the service actually offered.
Ask what Count Ready would charge you, when a fee becomes payable, whether it is refundable and whether the firm may receive commission from a lender. An initial conversation may be free while later work carries a fee. Read the current Terms of Business and written disclosure before authorising chargeable work. A broker fee alone does not show whether a mortgage is cheaper or dearer overall.
You can read Count Ready adviser information and use the FCA’s Firm Checker guidance to check the current firm and appointed-representative details. Ask the adviser to explain who is responsible for the regulated advice and how to complain if something goes wrong.
A broker can discuss your actual aims and evidence, explain the lender range they use, make a personal recommendation where authorised and help you through an application. A comparison site can help with initial research, but an advertised result is not a lender decision or a recommendation tailored to you.
No. A broker may help you compare suitable products within their stated range, but cannot guarantee the lowest rate or a cheaper mortgage overall. Fees, the period you keep the deal, repayment features and lender criteria matter alongside the initial rate.
Count Ready offers phone and online conversations. The footer lists a Chelmsford address, but there is no branch in every UK town. Tell us your location and whether you need a face-to-face meeting so we can explain what is available for you.
A conversation alone does not tell you when a lender or intermediary may make a credit search. Ask what checks are proposed, whether they are soft or hard and when they will occur before agreeing to an agreement in principle or full application.
At the start. Ask for Count Ready’s current written terms, any broker fee, payment point, cancellation arrangements and lender commission before chargeable work. Do not rely on a general statement that an initial conversation is free.
No. A broker can assess and explain possible routes, but the lender applies its current policy to the borrower and property. A mortgage offer can depend on evidence, valuation and underwriting after an initial discussion or agreement in principle.
Share whether you are buying, moving or remortgaging; an approximate price or value, borrowing and deposit; your broad income type; and any deadline or issue you want to discuss. We can explain the next useful check and our service terms. Please do not send identity documents, bank statements or full credit reports through a general callback form.
Count Ready is a credit broker, not a lender. A conversation cannot guarantee a suitable product or mortgage offer. We will explain any fee before chargeable work.
Sources reviewed 1 October 2026. Products, rates, lender criteria and firm details can change. This page is general information, not a personal mortgage recommendation. Ask an appropriately authorised adviser to assess your circumstances before acting.
