# Boon Brokers > Admin Email: gboon@boonbrokers.co.uk ## Posts ### Can I Get a Mortgage on a House I Have Inherited? ### Will a Student Loan Affect Your Mortgage Application? ### What Is a Mortgage Redemption Statement and Why You Might Need One? ### Living in Basingstoke: What You Need to Know Before You Move ### Is Private Medical Insurance Worth It in the UK? ### 1-Year Fixed vs 2-Year Fixed Rate Deals: Are Short Fixes Worth It? ### What Happens to Your Mortgage When You Pass Away? ### The Mansion Tax Trap: Popular in Principle, Divisive in Practice [December 2025 Study] ### 25-Year vs 30-Year Mortgage: How Much Does It Really Save You in the UK? ### Concessionary Purchase Mortgages: Helping Families Buy Property Cheap ### Can You Get a Mortgage on Benefits? ### Living in Glasgow: Cost, Culture, and Quality of Life ### Top 5 Postcodes for First-Time Buyers in South East London ### UK Tenants Warn New Landlord Tax Risks Destabilising Rental Market [November 2025 Study] ### Do I Need Building Insurance Before Mortgage Completion? ### Mortgage SPVs Explained: What They Are and How They Work ### Is Ipswich a Nice Place to Live? ### How to Improve Your Chances of Getting a Mortgage ### Top 5 Insurance Add-Ons to Protect Your Mortgage and Family Finances ### Living in Sheffield: Is It the Right City for Families? ### Does Gambling Affect Your Mortgage Application? The Truth Explained ### Top 5 Mortgage Mistakes That Cause Delays and How to Avoid Them ### How Long Does It Take a Single Person to Buy an Average Property in Their Area? [October 2025] ### Can I Get a Mortgage on My Own? ### Is Kingston Upon Hull Worth Living In? A Complete Guide ### The Top 5 Mortgage Options for Buy-to-Let Investors in 2026 ### Public Alarm Sounds Over Capital Gains Tax Reform [October 2025 Study] ### Is Oxford a Nice Place to Live? Pros, Cons, & Insights ### Can You Get a Mortgage with an HMO Licence? ### Should You Move to Milton Keynes? A Complete Guide to Life in MK ### Does Wall Insulation Increase My Home’s Value or Mortgage Options? ### Discover the 10 Best Cities to Live in England ### What is an Unencumbered Mortgage and How Could It Work for You? ### Living in Luton: Safety, Schools, Culture and Property Costs ### Stamp Duty Reform Sparks Public Outcry and Financial Uncertainty [September 2025 Study] ### Should I Choose a 2-Year or 5-Year Fixed Mortgage Rate? ### Is Newcastle a Good Place to Live? Here’s What You Need to Know ### What Does Under Offer Mean When Buying a House? ### Living in Brighton: Is It a Great Place to Call Home? ### Japanese Knotweed and Mortgages: What Lenders Need to Know ### A Guide to Living in Plymouth ### Can I Get a Mortgage On a Non-Standard Construction House? ### Is Liverpool a Nice Place to Live for Families? ### Mortgage Market Under Pressure: Borrowers Demand Fee and Commission Clarity [August 2025 Study] ### Can I Get a Mortgage On a Maisonette Property? ### Is Cambridge a Nice Place to Live? ### Gifted Deposits Explained: How to Boost Your Mortgage Application With Family Help ### Where Should You Invest in Plymouth Now? Top Areas to Watch ### What is an SA302 Form and Why Do Mortgage Lenders Ask for It? ### Moving to Bath from London: What You Need to Know ### Bank Of England Base Rate Dropped - What Does This Mean for My Mortgage? ### Can I Buy a House Without a Solicitor? ### Renting in Cardiff: Understanding Leasehold, Service Charges & Your Rights ### How Can Solar Panels Affect Your Mortgage? ### Best Areas for First-Time Buyers in Cardiff for £250 - £300k ### Can You Get a Mortgage Without a UK Bank Account? ### What Is the Lowest Credit Score Needed for a Mortgage? ### Wolverhampton: A Good Place to Live? ### Is Cardiff a Nice Place to Live? ### What Are Mortgage Conditions And Why Do They Matter? ### Top 5 Areas to Buy a Home in Bath ### How Mortgage Offers Can Be Withdrawn and How to Protect Yours ### Mortgage Term: Why Choosing 35 Years Isn’t Always the Cheapest Option ### Can I Use Cryptocurrency as a Mortgage Deposit? ### Buying a Property with Friends: What Mortgage Options Exist? ### Is Bath a Good Place to Invest in Property? ### Getting a Mortgage on a Listed Building: What You Need to Know ### Conditional Selling in Estate Agency: A Cry for Regulation [July 2025 Study] ### What Does a Mortgage Broker Actually Do? ### Can I Get a Mortgage with Bad Credit but a Large Deposit? ### Why You Shouldn’t Always Choose the Lowest Mortgage Rate ### What Is a Mortgage Valuation and Can You Challenge It? ### Can You Switch Mortgage Lenders Mid-Application? ### Can You Get a Mortgage After a Career Break or Job Gap? ### Can You Get a Mortgage While on Paternity Leave? ### What Should Coastal Homebuyers Know About Flood Risk and Mortgages? ### Best Mortgage Options for Growing Families ### Moving in Together: Joint Mortgages Without Getting Married ### Can I Get a Mortgage on a Prefabricated Home? ### How Do Joint Mortgages Work? ### Green Mortgages in 2026: What Are They and Are They Worth It? ### Remortgage for Debt Consolidation ### Discover the Top 10 Places to Live in London ### Can I Sell My House if I Have Equity Release? ### The Search Engine Trap: How Consumers Are Misled on Mortgage Advice [June 2025 Study] ### What Is a Let to Buy Mortgage? ### How Do You Get the Best Mortgage Rate? ### What Is a Mortgage Offer? ### Guide to Paying Off Your Mortgage Early ### How To Get A Mortgage As Self Employed ### Guide to Buying a Second Home ### Help Your Child Buy Their First Home with Equity Release ### Equity Release Explained: What Happens to Your Property When You Die? ### Freelancer Mortgages: How to Get a Mortgage When You're Self-Employed ### How Can Parents Help First Time Buyers? ### Can I Get a Mortgage on Maternity Leave? ### How to Get a Mortgage After Bankruptcy in the UK ### The UK’s Public Opinion on Using Benefits in Mortgage Applications [May 2025 Study] ### How To Get an Airbnb Mortgage? ### The Complete Guide to Boon Brokers’ Convenience Package ### What Is It Like to Live in Enfield? ### The 10 Best Questions to Ask Your Mortgage Broker ### When Should I Contact a Mortgage Broker? ### Is London a Nice Place to Live? ### Is Edinburgh a Good Place to Live? ### Equity Release or Remortgage: Which One Is Better? ### What Is It Like to Live in Barking and Dagenham? ### Drawdown Equity Release Explained: Lifetime Mortgage Options for Over 55’s ### Do Accountants Get Better Mortgages? ### Can I Get Equity Release on Any Property? ### Barclays Rejected My Mortgage Application: What Should I Do? ### The Financial Education Reform Forgot to Teach Finance [April 2025 Study] ### Is Manchester a Nice Place to Live? ### Mortgage Guide for Company Directors ### How Does an Interest-Only Equity Release Work? ### Bad Credit and Equity Release: What are My Options? ### Can You Remortgage After a Redundancy? ### Mortgage Rejected by NatWest: What Should I Do? ### The Mortgage Knowledge Crisis: First-Time Buyers Are Gambling With Their Financial Futures [April 2025 Study] ### Can I Get Equity Release on Leasehold Flats? ### Is Birmingham One of the Best Places to Live? ### HSBC Rejected Your Mortgage Application? Here’s What to Do Next ### Mortgages for Solicitors: The Essential Guide ### Mortgage Rejected by Halifax: What Are the Next Steps? ### The Barrister’s Guide to a Mortgage ### Santander Mortgage Application Declined: What Should I Do Now? ### Mortgages for Investment Bankers: What You Need to Know ### What to Do If Your Nationwide Mortgage Application Gets Declined ### Mortgages for Dentists: Everything you Need to Know ### Mortgages for Firefighters: A Complete Guide ### Can You Get a Better Mortgage as an NHS Nurse? ### Can Paramedics and Doctors Get a Better Mortgage? ### Mortgages for Teachers: How to Find the Best Mortgage Rates ### The Complete Guide to Mortgages for Police Officers ### Step by Step Guide for Sending Us Your Credit Report ### Average Mortgage Broker Fees in the United Kingdom [Jan 2025 Study] ### Top 6 Tips for Remortgaging ### Podcast - Gerard Boon on Reputation Wrecked ### The UK House Price Index – November Announcement ### Artificial Intelligence in Mortgage Broking [Nov 2024 Study]: Distrust from British Consumers ### What is Mortgage Underwriting from a Lender? ### Can You Equity Release Without Remortgaging? ### Do You Need Life Insurance When Buying a House? ### Can I Purchase a Buy to Let as a First Time Buyer? ### Guide to 95 Mortgages ### Rent to Buy Scheme and Mortgages ### Equity Release Success Story ### Guide to Life Insurance ### Guide to Renting Out Your Home ### Can I Release Equity To Purchase A Second Home? ### What is a Mortgage Prisoner? ### Lifetime Mortgages – The Ultimate Guide ### What is a Guarantor Mortgage and How Does it Work? ### Do I Need a Mortgage in Principle to Make an Offer? ### Which Mortgage Repayment is Right for You? ### Can You Get a Joint Mortgage if One Person is Unemployed? ### Equity Release Age Guidelines in 2026 ### Getting a Mortgage with 3 or 4 People ### Can You Repay Equity Release Early? ### Can I Get a Mortgage on a Studio Flat? ### How to Get a Mortgage as a Doctor? ### How Does My Credit Score Affect How Much I Can Borrow? ### Is A Financial Adviser The Same As A Mortgage Adviser? ### Buy to Let Mortgages with a Limited Company ### Working Part Time and Getting a Mortgage ### What is a Joint Borrower Sole Proprietor Mortgage? ### Moving House with Equity Release ### What Are Solicitor Searches? ### Reasons to Buy a House for Your Child ### How Can a Change of Circumstances Affect a Mortgage Offer ### Extending Your Mortgage for Cosmetic Surgery? Our 2026 Survey ### Can You Get a Mortgage with a Zero Hour Contract? ### How Does the Equity Release Council Protect Me? ### The 5% Deposit Mortgage Scheme & How They Work ### Equity Release For Buy To Let Mortgage ### How Does Being Self Employed Affect A Joint Mortgage? ### What is a Tenants in Common Agreement? ### How Long Does Equity Release Take? ### Getting a Mortgage After an Individual Voluntary Agreement (IVA) ### How Much Equity Can I Release From My Home? ### Is Equity Release Safe? ### Do You Pay Tax on Equity Release? ### Can I Get A Mortgage For 5X My Salary? ### How Will Equity Release Affect My Family? ### What is a Deed of Covenant During Conveyancing? ### How To Avoid Mortgage Early Repayment Charges ### What is a Shared Equity Mortgage? ### Equity Release for Home Improvements: Is it a Good Idea? ### What's The Difference Between Remortgage or Equity Release? ### How Long Does a Mortgage Application Take? ### Cost of Living Crisis (Study): 50% of Brits Admit to Cutting Back ### 6 Benefits of a Commercial Mortgage ### Alternatives to Equity Release in 2026 ### How To Choose a Mortgage Broker: The Essential 2026 Guide ### How Does Life Insurance Work? ### What Is a Mortgage in Principle? ### Top 11 Questions To Ask When Buying a House ### What is an Offset Mortgage and How Does it Work? ### Should You Buy a House at Auction? ### How To Make Sure Your Mortgage Broker Isn't Ripping You Off ### The Advantages of Using A Mortgage Broker ### The 2026 Timeline To Buying A House In The UK ### Buying a Property with Shared Ownership ### How Can I Get A Military Mortgage? | 2026 Guide ### 15 Red Flags That Could Ruin Your Mortgage Application [2024 Study] ### Guide to APRC on Mortgages ### Why Norwich Has Become One of the Best Places to Live ### Mortgage Capacity Reports Explained ### How Many Times Salary is a Mortgage Calculation? ### What Mortgage Can I Afford? ### The Little-Known Truths of Equity Release ### Equity Release Horror Stories ### What is a Lumpsum Equity Release? ### Getting A Joint Mortgage With Parents ### What is a Mortgage Illustration? ### Is it Better to Overpay or Reduce your Mortgage Term? ### Can I Work with Two or More Mortgage Brokers at the Same Time? ### Debt to Income for Mortgages ### How Does Changing Jobs After Mortgage Approval Affect Me? ### How Do I Get a Mortgage After a Divorce? ### What Can I Use for a Mortgage Deposit? ### Can You Have More than One Mortgage? ### Mortgages for Over 50s ### Guide to CIS Mortgages ### How Does a Mortgage Work? ### How Do Buy to Let Mortgages Work? ### The Four Different Types of Mortgage Capacity Reports ### Mortgage Broker Costs 2026: How Much Do Mortgage Brokers Charge? ### What is a Lifetime Mortgage? How Does it Work? ### What is the Difference Between Freehold and Leasehold Tenures ### What is Home Reversion Equity Release? How Does it Work? ### The Pros & Cons of Equity Release ### What Is a 100% Mortgage and How Does it Work? ### How to Get a Mortgage with a New Job ### What Proof Of Income Is Needed For A Mortgage? ### All You Need to Know About Buy-to-Let ### How Much Deposit Do I Need for a Mortgage? ### How Much Does The Average Mortgage Cost? ### How Much Does Equity Release Cost? ### Porting Your Mortgage – All You Need to Know ### Equity Release Companies to Avoid ### Remortgaging When You're Self-Employed ### Who Qualifies as a First Time Buyer? ### How Does an Overdraft Affect Getting a Mortgage? ### How Far Back Do Lenders Look at Credit History? ### What Is CheckMyFile? ### Does Equity Release Affect Your Credit Score? ### Can You Pay Back Equity Release? ### Top 5 Reasons People Choose Equity Release [2025 Study] ### What Happens If You Can’t Afford a Remortgage? ### How Much Do I Need to Earn to Get a Mortgage of £250,000? ### 10 Mortgage Scams to Watch Out For ### How Far in Advance Should I Get Preapproved for a Mortgage? ### What Happens to a Joint Mortgage After Separating? ### How Much of Your Income Should Go to Mortgage Payments? ### Selling a House with a Mortgage ### How to Add Someone to an Existing Mortgage? ### 12 Reasons Why Mortgage Applications Are Declined ### How to Get an NHS Mortgage in 2026 | Key Workers Guide ### Tips to Pay Off a Mortgage Faster ### How Equity Release Can Help with Divorce ### How Do I Extend My Mortgage Term? ### Mortgage Advice: Do You Need a Mortgage Adviser? ### Common First Time Buyer Mistakes ### How Much Does a House Survey Cost? ### How to Negotiate the House Price ### How Do I Find the Value of My House? ### What Does Divorce Mean for Your Mortgage? ### Is it Better to Sell to a First Time Buyer? ### Should You Remortgage to Fund Home Improvements? ### Should I Sell My House Before Buying a New One? ### Is Equity Release a Good Idea? ### Mortgage Terminology Explained ### Saving Money for a Mortgage Deposit ### Transfer of Equity After Divorce ### Converting a Residential Mortgage to a Buy to Let ### Mortgage Myths Busted ### Understanding Mortgage Interest Rates ### How Long Does a Mortgage in Principle Last? ### Can You Buy a House without a Mortgage? ### Using Equity Release for Care Fees ### What Do I Need to Apply for a Mortgage? ### Do Mortgage Brokers Get Better Rates? ### Do I Need a Solicitor for a Remortgage? ### How to Get a Bigger Mortgage ### Switching to an Interest Only Mortgage ### Equity Release Interest Rates ### Why Is My First Mortgage Payment Higher Than Expected? ### What Happens at the End of a Fixed Rate Mortgage? ### Preparing for a Mortgage Interview ### Does Buy Now Pay Later Affect Your Mortgage Application? ### Equity Release with a Mortgage ### What to Do When You Inherit Property ### Product Transfers Explained ### Buying a House with Cash Vs Getting a Mortgage ### Getting a Mortgage as a Single Parent ### How Long Does It Take to Get a Let-to-Buy Mortgage? ### How To Improve Your Credit Score ### Can You Get a Mortgage in the UK When You Live Abroad? ### Is it Hard to Get a Mortgage When Retired? ### How Reliable is a Mortgage in Principle? ### How Will Interest Rates Affect My Mortgage? ### How Can Equity Release Help You Enjoy Your Retirement? ### Can You Remortgage Early? ### The Best Buy To Let Areas in the UK for Investment ### Is Buy to Let a Good Investment? ### 49% of Young Mortgage Borrowers Believe Paying Broker Fee Results in Better Rates ### Should I Pay Off My Mortgage or Save? ### Remortgaging to Release Equity ### Mortgage Brokers vs Comparison Sites ### How to Decide the Length of Your Fixed Rate Mortgage? ### How Long Does It Take To Remortgage? ### What Mortgage is Best for a First Time Buyer? ### Retirement Interest Only Mortgages ### What is a Loan to Value Ratio? ### Tracker Mortgages Explained ### Getting a Mortgage on a Bungalow ### How Bank Statements Can Help You Secure a Mortgage ### Can You Be Refused Equity Release? ### Guide to Converting a House into Flats ### Guide to Holiday Let Mortgages ### How Does Equity Release Affect Inheritance Tax? ### Letting to a Family Member ### Should I Remortgage with the Same Lender? ### Getting a Mortgage with Credit Card Debt ### What is the First Home Scheme? ### Is Now the Right Time to Put Your House on the Market? ### Getting a Mortgage with Late Payments ### Switching to a Buy to Let Mortgage ### Mortgage Guarantee Scheme Extended ### How to Finance Home Improvements ### Getting a Mortgage with One Year’s Accounts ### How Long Does a Mortgage Application Take Through a Broker? ### Getting a Buy to Let Mortgage with Bad Credit ### Joint Mortgage with One Bad Credit Applicant ### Equity Release vs Downsizing Your Home – Pros and Cons ### Getting a Mortgage with a CCJ ### Is Remortgaging the Same as Porting Your Mortgage? ### What to Do if Your Mortgage is Declined Due to Affordability ### Interest Only Mortgages – What You Need to Know ### What to Do if You Can’t Pay Your Mortgage? ### What is the Maximum Age for a Mortgage? ### Everything You Need to Know About Stamp Duty – 2026 Guide ### Should You Remortgage with Early Repayment Charges? ### How Are Mortgage Rates Calculated? ### Should I Fix My Mortgage Now? ### Mortgages for First Time Buyers – Guide to Buying a Property Amid Rising Interest Rates ### Is it Better to Buy or Rent a Home? ### Is Now a Good Time to Buy a House? ### Is Now a Good Time to Remortgage? ### How Can I Buy Out My Partner from a Joint Mortgage? ### What Is a Fixed Rate Mortgage and How Does It Work? ### Getting a Mortgage with Bad Credit ### A Complete Guide to Mortgage Retention ### Buying a House Post-Lockdown: What You Need to Know in 2026 ### Should I Use My Estate Agent's Mortgage Broker? ### How Does Overpaying Your Mortgage Work? ### Should I Use A Broker Or Go Direct? ### How to Buy Property Post-Lockdown ### How to Build Home Equity ### Should You Buy a House During Coronavirus Outbreak? ### Everything you need to know about Equity Release ### Why It Pays To Review Your Mortgage Regularly ### How to Prepare for an Interest Rate Rise ## Pages ### Location Page - Basingstoke ### Location Page - Preston ### Location Page - Ipswich ### Location Page - Cambridge ### Location Page - Glasgow ### Lee Arbon ### Location Page - Sheffield ### Location Page - Leicester ### Location Page - Hull ### About Us ### Location Page - Leeds ### Location Page - Belfast ### Location Page - Bedford ### Emily's Case Study ### Freya's Case Study ### India's Case Study ### Harry's Case study ### Hannah's Case Study ### Ben & Maria's Case Study ### Customer Mortgage Success Stories ### Court-Ready Mortgage Capacity Reports, Made for Solicitors ### Referral Program ### Adam Davies ### Location Page - Newcastle ### Location Page - Milton Keynes ### Location Page - Wolverhampton ### Location Page - Manchester ### Location Page - Luton ### Location Page - Croydon ### Location Page - Edinburgh ### Location Page - Birmingham ### Jay Blackaby ### Luke Bell ### Kathryn-Hailes ### Jacob Marjoram ### Joshua Lillie ### Lucinda Robinson ### Authors ### Gerard Boon ### Location Page - Cardiff ### Mortgage Brokers Bristol ### Location Page - Brighton ### the-convenience-package ### Mortgage Rates Comparison ### We're Free. Here's How... ### The Lenders We Work With ### Santander Mortgages ### HSBC Mortgages ### Nationwide Mortgages ### TSB Mortgages ### Halifax Mortgages ### Coventry Building Society Mortgages ### Barclays Mortgages ### Natwest Mortgages ### Our Story ### Shared Ownership Benefits Vs Cost ### Research ### Join the Boon Brokers Team ### Self Employed Programme ### About the Boon Brokers Team ### Homepage ### Affiliate Programme ### Mortgage Calculator ### Equity Release Calculator ### Mortgage Capacity Report ### Equity Release PPC ### Our Process - Mortgages Our Process - Mortgages The mortgage process is often branded as unclear, stressful and time consuming by many in the general public. At Boon Brokers, total transparency is our aim in adviser-client communication. When you first meet with your adviser for a consultation, the mortgage process will be explained in detail. Any questions will be answered at the meeting. In addition, you will be reminded of the next steps involved as you advance through the mortgage process. For now, a summary of our mortgage process is showcased below. ### Mortgage Calculator Calculate how much you can borrow in the UK with our quick mortgage calculator. See how much your monthly mortgage repayments would be when moving house, remortgaging or buying your first home. ### Location Page - London ### Location Page - Norwich ### Resources ### Cookie Policy Cookie Policy About this cookie policy This Cookie Policy explains what cookies are and how we use them. You should read this policy to understand what cookies are, how we use them, the types of cookies we use i.e, the information we collect using cookies and how that information is used and how to control the cookie preferences. For further information on how we use, store and keep your personal data secure, see our Privacy Policy. You can at any time change or withdraw your consent from the Cookie Declaration on our website. Learn more about who we are, how you can contact us and how we process personal data in our Privacy Policy. Your consent applies to the following domains: boonbrokers.co.uk Your current state: No consent given. Manage your consent.   What are cookies ? Cookies are small text files that are used to store small pieces of information. The cookies are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make the website more secure, provide better user experience, and understand how the website performs and to analyze what works and where it needs improvement. How do we use cookies ? As most of the online services, our website uses cookies first-party and third-party cookies for a number of purposes. The first-party cookies are mostly necessary for the website to function the right way, and they do not collect any of your personally identifiable data. The third-party cookies used on our websites are used mainly for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better and improved user experience and help speed up your future interactions with our website. What types of cookies do we use ? Essential: Some cookies are essential for you to be able to experience the full functionality of our site. They allow us to maintain user sessions and prevent any security threats. They do not collect or store any personal information. For example, these cookies allow you to log-in to your account and add products to your basket and checkout securely. Statistics: These cookies store information like the number of visitors to the website, the number of unique visitors, which pages of the website have been visited, the source of the visit etc. These data help us understand and analyze how well the website performs and where it needs improvement. Marketing: Our website displays advertisements. These cookies are used to personalize the advertisements that we show to you so that they are meaningful to you. These cookies also help us keep track of the efficiency of these ad campaigns. The information stored in these cookies may also be used by the third-party ad providers to show you ads on other websites on the browser as well. Functional: These are the cookies that help certain non-essential functionalities on our website. These functionalities include embedding content like videos or sharing contents on the website on social media platforms. Preferences: These cookies help us store your settings and browsing preferences like language preferences so that you have a better and efficient experience on future visits to the website. How can I control the cookie preferences ? Should you decide to change your preferences later through your browsing session, you can click on the "Privacy & Cookie Policy" tab on your screen. This will display the consent notice again enabling you to change your preferences or withdraw your consent entirely. In addition to this, different browsers provide different methods to block and delete cookies used by websites. You can change the settings of your browser to block/delete the cookies. To find out more out more on how to manage and delete cookies, visit wikipedia.org, www.allaboutcookies.org. ### Our Process - Equity Release Our Process - Equity Release Our advisers understand that the prospect of acquiring Equity Release finance can be daunting for many consumers. There are many Myths of Equity Release, derived from the product's poor reputation from past misselling in the industry, that has led to unfair criticism. Many consumers are dismissing the Benefits of Equity Release without consulting with a qualified adviser. Equity Release can be a positive life changer for homeowners, over the age of 55, looking to raise finance without the burden of ongoing payments. Our process for advising and arranging Equity Release cases is showcased below. ### Our Process - Buildings Insurance Our Process - Buildings Insurance Buildings insurance is a mandatory condition of all mortgage offers. The reason for this is obvious. If the secured property is destroyed, through no fault of the lender, the lender would lose their collateral for the loan agreement. Therefore, buildings insurance is insisted on to protect the value of the asset. Contents insurance may also be suitable for you. Our process for advising and arranging buildings and contents insurance is showcased below. ### Our Process - Life / Income Insurance Our Process - Life / Income Insurance Many consumers are shocked to discover that life insurance is not a mandatory condition of a mortgage offer. However, we are obliged by the Financial Conduct Authority to stress the importance of considering life insurance cover. Adequate life insurance cover will redeem a borrower's outstanding mortgage in the event of his/her fatality. We offer free consultations to discuss suitable life and income insurance. Our process for advising and arranging life and/ or income insurance is showcased below. ### Request a Free Callback Speak to Our Expert Advisers Our experts are waiting to help you. Submit an enquiry and our fee-free advisers will assist you further. Trustpilot Select Reason for EnquiryMortgage EnquiryProtection EnquiryEquity Release EnquiryGeneral EnquiryHome Insurance EnquiryPrivate Medical Enquiry ### Literature Supporting documents Most documentation provided on this page will also be available on your personalised client portal. Relevant terms of business files will be provided by your allocated adviser at the beginning of the advice process. From August 2019, clients will have access to a user-friendly, online, fact-find form. A completed fact-find form will enable our advisers to complete a full application on your behalf. If you would prefer to print and complete a fact-find manually, please download the applicable form on this page. Post-completion, kindly scan the file and send it to your adviser's e-mail address. Other documentation such as mortgage declarations, direct debit mandate forms, etc, will be provided by your adviser. The contents of most literature will vary from lender to lender. Your adviser will simplify the contents of any literature associated with an application to ensure that you have a full understanding. ### Our Services Boon Brokers offers advice and arrangement services for Mortgages, Insurance and Equity Release. Our brokers do not charge a client fee at any stage of the process for mortgage, insurance and equity release cases. The firm earns an income from procuration fees, paid for by the lender, upon completion of a mortgage. Our brokers will always proceed with the most suitable lender for the client. For insurance, we are paid commission by the provider on a non-indemnity basis. Click the pages below for further details on the services of interest. ## Services ### Insurance Service ### Mortgage Service ### Private Medical Insurance ### Home Insurance ### Critical Illness Cover ### Income Insurance Advice ### Life Insurance Advice ### Shared Ownership Mortgages ### Home Movers Frequently Asked Questions The most common questions that our advisers receive from people moving home are featured below. If you have any further questions, that have not been answered below, please submit an enquiry form. Click the 'Contact Us' button. ### Home Mover Mortgages ### Let to Buy Frequently Asked Questions Got some questions about renting your current home and buying a new one? We answer your top questions below. If you have any further questions, feel free to get in touch by clicking the 'Contact Us' button. ### Let To Buy ### Buy To Let ### Buy To Let Frequently Asked Questions Got some questions about investing in a property and securing a Buy To Let mortgage? We answer your top questions below. If you have any further questions, feel free to get in touch by clicking the 'Contact Us' button. ### First Time Buyer ### First Time Buyers Frequently Asked Questions The most common questions that our advisers receive from first time buyers are featured below. If you have any further questions, that have not been answered below, please submit an enquiry form. Click the 'Contact Us' button. ### Lifetime Mortgages ### Remortgage ### Remortgages Frequently Asked Questions Are you looking to remortgage but have some questions about the best next steps? Here are some frequently asked questions surrounding remortgaging. If you have any further questions, one of our friendly advisors would be more than happy to help. Contact us by submitting our request a free callback form. ### Adverse Credit Frequently Asked Questions Getting a mortgage with bad credit can seem difficult but it is not impossible. With the right knowledge and mortgage broker you will get approved in no time. Here is a list of most common questions surrounding bad credit mortgages. If you have any further questions, please don't hesitate to get in touch by submitting our request a free callback form. ### Equity Release Frequently Asked Questions The most common questions that our advisers receive regarding Equity Release are featured below. If you have any further questions, that have not been answered below, please submit an Equity Release enquiry form. Click the 'Contact Us' button. ### Myths of Equity Release It is important to separate the facts from the fiction. Equity Release is a product that has been plagued by a poor reputation for many years. During those time when consumers suffered from various poor outcomes of equity release, such as negative equity on their homes, our advisers did not recommend the product. However, following significant changes to the product's regulation, equity release has become revolutionary for many homeowners. We advise that you read our 'Benefits of Equity Release' and 'Lifetime Mortgages' articles. Sadly, if you discuss the thought of pursuing equity release with friends and family, it often elicits a negative knee-jerk reaction which deters consumers from exploring the product further. We encourage you to show this article to those that are sceptical of equity release. The following statements are Myths of Equity Release: 1) We will not be able to move home. False. All equity release plans approved by the Equity Release Council guarantee the right to move your plan to a new property as long as the property meets lending criteria. 2) Our debt may exceed the value of the property. False. The no negative equity guarantee, on plans approved by the Equity Release Council, means that you will never owe more than the value of your home. Therefore, excess debt will not be passed on to your beneficiaries. 3) We will no longer own our home. False for lifetime mortgages. You will always own your home with a lifetime mortgage – the most popular type of equity release plan. 4) We will have monthly repayments. False. You are not obliged to make monthly repayments with a lifetime mortgage. This mortgage's interest rolls up until death of the applicants (or permanent movement into long-term care). When the plan comes to an end, the capital and rolled up interest will be repaid. Beneficiaries of the property often choose to either re-mortgage the property, perhaps on a let basis, or sell in order to redeem the equity release plan. There are some plans available that allow partial capital or interest payments to be made should you wish. Contact Us For further information on equity release, please click the 'Contact Us' button and submit an Equity Release enquiry form. Our advisers would be happy to arrange a free consultation to discuss your requirements in depth. ### Benefits of Equity Release Receive a tax-free cash lump sum No obligation to monthly repayments Absolute discretion with money received Permanent rights to reside in your property for life Reduced inheritance tax Debt consolidation - including existing mortgages Opportunity of financial freedom No negative equity guarantee ### Bad Credit Mortgages ### Equity Release ## Staff Members ### Lee Arbon Lee is a CII Certified insurance broker. He has worked in the industry for over 10 years. In that time, he has gained experience in motor insurance, static caravan/park home insurance, standard and non-standard home insurance, as well as commercial insurance. Lee prides himself on his customer service and likes to give clients a pleasant experience when providing home insurance. His experiences over the last 10 years have helped him learn how to do this in a personal and effective way. In his spare time, Lee is an avid football fan and supporter of Norwich City FC. He also loves spending time with his family. ### Jack Freestone Jack joined the team as our Digital Copywriter, bringing a wealth of experience in digital marketing. Jack has a well-established background within the world of content management and copywriting. He is even accompanied with a strong understanding of SEO in action, having previously worked as a technical SEO writer. With a passion for transforming complex ideas into easy-to-understand and digestible content, Jack's first commitment is to engage readers and make information accessible to all. As part of the team, Jack's main goal is to help drive engagement and ensure that all of our content resonates with the reader, providing quick and clear information. Outside of work, you can always count on Jack being on a rainy walk or immersing himself in a good book. ### Luke Bell Since qualifying as a mortgage adviser in 2017, Luke has gained extensive experience in the industry. Over the years, he has worked as a whole-of-market broker and as an adviser at a national bank, equipping him with a well-rounded perspective on the mortgage market. Whether guiding a first-time buyer through their property purchase, helping a couple secure funds for a home extension, or assisting a landlord in expanding their portfolio, Luke’s goal is to make the process as seamless as possible. He leverages his knowledge and expertise to deliver the best possible outcomes for his clients. In 2022, Luke furthered his qualifications by earning a Diploma in Mortgage Advice, reinforcing his commitment to professional growth. He is also a qualified insurance and equity release adviser, allowing him to offer a comprehensive approach to financial planning. As a CeMAP and CeRER qualified adviser, Luke can offer financial advice and arrangement in the following areas: •  Residential •  Buy to Let •  Equity Release •  Life Insurance •  Income Protection •  Critical Illness Cover Outside of work, Luke enjoys cooking, exploring new restaurants, traveling, and attending live gigs—whether for music or stand-up comedy. ### Jacob Marjoram Jacob is a fully qualified mortgage and protection adviser. He is proficient in offering comprehensive mortgage and protection advice throughout the UK and is passionate about helping individuals and families achieve their homeownership goals. Jacob specialises in a wide range of mortgage and protection areas, including the following: • First-time Buyers • Remortgages • Residential Mortgages • Life Cover, Critical Illness Cover, Income Protection • Buy-to-Let • Portfolio Landlords Having worked previously as a Personal Trainer, Jacob has developed excellent transferable customer service skills which allows him to deliver the best possible service to suit individual client needs. In his spare time, he enjoys weight training, mixed-martial arts and spending time with friends and family. ### Azharul Islam Azharul joins our team with a proven track record in digital marketing and SEO, having worked across diverse industries. His fresh perspective and enthusiasm will be invaluable as we continue to expand our online reach. Azharul's creative mind and analytical skills are a perfect combination for driving our SEO strategy forward. He will be focusing on increasing our website content to attract more visitors and improve our search engine rankings. When he's not optimising our website, Azharul can be found cheering on his beloved Liverpool FC. ### Gerard Boon Gerard is a driven young man with great ambition to grow Boon Brokers to a national level. His constant endeavour to improve the company's market offering has led to the development of this website. There are many other exciting projects, that Gerard is coordinating, which will launch in the near future. Gerard is a qualified mortgage, equity release and insurance adviser. Advice and arrangement is offered for the following: Residential mortgages Buy to let mortgages Commercial mortgages Lifetime mortgages Home reversion plans Income protection Life assurance/insurance Gerard is a graduate from the University of Leeds. A highlight of his academic career was the submission of his dissertation project. It was titled: Artificial Intelligence in Financial Intermediation: An Investigation into the Prospect of Robo-Advice Developments for Mortgage Brokers in the United Kingdom. Since graduating from university, despite working in an office role, Gerard has maintained an active lifestyle. You are likely to spot Gerard in a certain Norwich Gym during the late hours of an evening.   ### Mandy Holmes Mandy Holmes has joined Boon Brokers in an administrative role. She spent many years working for Jewson Timber Merchants in their Marketing Department. The skills learnt during those years have made Mandy a valuable addition to the team. A core goal of Boon Brokers, at the heart of our long-term business strategy, is to adapt to the changing technological environment in the financial service industry. A key driver of such change is the emergence of new marketing platforms and systems. Mandy's insights into such changes, due to her widespread marketing background, are invaluable. Mandy's day-to-day role focuses on assisting Boon Broker's with the progression of mortgage and insurance applications. This role entails: providing updates to clients on submitted cases, discussing information/documentation requirements, arranging consultations for our advisers and managing our internal database. Compliance reporting is another important facet of Mandy's job role. Outside of the workplace, Mandy has many hobbies. Most notably, she is an avid Formula 1 fan and keen supporter of Lewis Hamilton. ### Lucinda Robinson Lucinda has actively worked in the mortgage broking industry for many years. Her previous role focused on processing buy-to-let mortgages. Lucinda is now proficient in offering mortgage advice for all residential and buy-to-let cases. She is CeMAP qualified and achieved numerous Distinction and Merit grades in her modules. Lucinda is also CeRER qualified and can advise and arrange Equity Release cases. Lucinda specialises in advising and arranging re-mortgage cases for Boon Brokers. Even though re-mortgages is now her focus, Lucinda can offer financial advice and arrangement in the following areas: Residential, Buy to let, Income Protection, Life insurance, Critical Illness Cover and Equity Release Lucinda also performs the role of Deputy Manager for the firm and assists the broker team on a daily basis with operations. Away from the office, Lucinda enjoys going for long walks, exercising at her local gym and seeing her friends/family. An interesting fact about Lucinda is that she is a co-founder of a Norfolk Rum business. As a result, she spends plenty of her spare time selling rum at Norfolk & Suffolk-based farmers’ markets. ### Kathryn Hailes Kathryn has worked as a qualified mortgage and protection broker since 2018. She has a wide range of experience in Residential, Buy to Let and Insurance cases. In particular, Kathryn enjoys helping first-time buyers through their mortgage journey and ensuring that they are well protected with their insurance post-offer. Due to her many years of experience as a broker, Kathryn has a strong understanding of lending criteria from a whole-of-market range of lenders. As a CeMAP qualified adviser, Kathryn can offer financial advice and arrangement in the following areas: Residential Buy to Let Income Protection Life Insurance In her personal life, Kathryn enjoys going to festivals and spending time with her partner in Norfolk. Kathryn is also part of a musical band which performs across the country on the weekends. ### Adam Davies Adam has been a fully qualified mortgage and protection adviser since 2015. He has vast experience in advising and arranging many different case types such as First Time Buyers, Buy to Let, Remortgages, Home Movers and Portfolio Landlords. Since 2015, Adam has been operating on a whole-of-market basis. As a result, he has extensive knowledge of criteria and processing across over 90 lenders and insurers in the industry. Adam has Mortgage and Insurance qualifications from the Chartered Insurance Institute. Adam processes a range of cases for Boon Brokers. These include: First Time Buyers Home Movers Buy to Let Remortgages Critical Illness Cover Life Insurance Income Protection In his spare time, Adam enjoys spending time with his family and children. He is also an avid fan of Arsenal FC. ### Mark Spiers Our Quality Assurance Administrator, Mark joined us in the Spring of 2023. He has an extensive background in Customer Relations and Complaints within the Energy, Financial and Health & Social Care sectors, most recently working within a local County Council. Mark is a highly analytical and empathetic person with a passion for helping people. With Mark’s diverse experience in talking to people from all walks of life, as well as investigating complaints and providing training to his colleagues, Mark is well placed to provide Boon Brokers with reliable and effective Quality Assurance. In his day-to-day role Mark monitors our brokers’ work to ensure that our clients receive the highest possible quality of service throughout their experience. He provides regular feedback to our brokers and is also responsible for investigating any complaints. When he is not working, Mark can be found exploring the countryside with his partner and their 2 dogs, completing woodworking and DIY projects, or attempting to make music in his loft. ### Jay Blackaby Jay has worked in the financial service industry as an active mortgage and insurance broker since 2017.  As a result of his experience, his skillset as an adviser is multi-faceted. Jay will happily identify the most suitable lender for prospective borrowers that are hoping to purchase or re-mortgage residential or buy-to-let properties. After the mortgage has been arranged, Jay will also discuss with borrowers which type of insurance cover is likely to be most suitable for their circumstances including life, income and critical illness cover. As a CeMAP qualified adviser, Jay can offer financial advice and arrangement in the following areas: Residential Buy to Let Income Protection Life Insurance Away from the workplace, Jay enjoys walking his frantic cocker spaniel, fishing in Norfolk, supporting Manchester United F.C. and spending quality time with his wife. ### Joshua Lillie Joshua is a driven and ambitious adviser who has worked in a variety of financial service sectors and lived in multiple countries. He aims to deliver an optimal service to clients by offering a friendly, professional and bespoke touch to each case. His constant endeavour to find the best solution to clients, regardless of how challenging a case may be, is much admired by his peers. Joshua is a is a qualified Mortgage, Insurance, and Equity Release adviser. He has passed the CeMAP and CeRER qualifications from the London Institute of Banking and Finance. Although he is able to help any client, he is particularly proficient at assisting First-Time Buyers and Lifetime Mortgage applicants. Financial advice and arrangement is offered in the following areas: Residential Commercial Buy-To-Let Life, Critical Illness and Income Protection Insurance Equity Release Mortgage Capacity Reports During his free time, Joshua enjoys flying planes as well as reading and playing rugby. One of his biggest passions is music. You will often catch Joshua muttering the lyrics of an obscure track to himself, which is most amusing to the other office staff. ### Michael Boon Michael Boon has actively worked in the financial services industry since 1965. You will struggle to find an adviser with a greater wealth of experience in this field than Michael. In his past life, Michael was managing partner of a financial brokerage group in Hampshire, boasting over 8000 clients with over 40 employees. Michael's reputation for consistently delivering high quality advice has generated a loyal client base. Such a reputation has also resulted in his membership for the Equity Release Council. Michael offers advice and arrangement for the following services: Equity release (lifetime mortgages and home reversion) Life insurance Income insurance In his spare time, Michael enjoys a simple and relaxed lifestyle. He is constantly tending to his ever-growing garden. However, Michael's blood pressure is partial to rise on a Saturday afternoon when Norwich City F.C. are close to kick off. ## Saswp ### Article ## Saswp_reviews ### Google Review