Nothing. Serving personnel, reservists and veterans pay no broker fee for mortgage advice. We’re paid a procuration fee by the lender when your mortgage completes, and we’ll confirm that in writing before you commit to anything.

Yes — it’s a routine part of what we do, not an occasional case. We place FHTB applications only with lenders who accept the scheme, and we work to the JPA timing so the funds arrive when the lender needs them. Limits and eligibility change, so John will confirm what currently applies to you.

Not with the right lender. Automated credit checks often struggle with BFPO and overseas addresses, which is why applications sometimes get declined for reasons that have nothing to do with your creditworthiness. We know which lenders handle service address histories properly.

No. Morgan gathers information and explains how mortgages work in general terms. Morgan will never recommend a lender, a product or a rate, and won’t tell you how much you can borrow. All advice comes from John, who is qualified and authorised to give it.

First-charge residential mortgages and remortgages — buying your first home, moving, remortgaging or borrowing more. We don’t advise on buy-to-let, second charges or equity release. If that’s what you need, we’ll tell you and point you in the right direction.

We aim to come back to you within one working day. If you’d rather pick your own slot, book a call directly and choose a time that works around your duty pattern.

That’s fine, and it’s worth a conversation anyway. John will tell you honestly if a mortgage isn’t the right move yet, and what would need to change. There’s no obligation and no pressure — and the Absolute Academy is free to work through in the meantime.