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FOKUS HAUSMortgage & protection

Mortgage advice, kept moving. Replies within 24 hours, any day. Clear costs and recommendations in writing. A small team combining careful advice with practical support, from your first question to your next deal.

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Your home may be repossessed if you do not keep up repayments on your mortgage. Illustration only, not an offer or advice. Borrowing based on 4–4.5× income; lenders also consider outgoings, credit history and deposit.

How we work

Quick replies.
Careful checks.

A mortgage is part of a bigger move: your first home, more space, or a fresh look at your finances. We take time to understand what you want to do, explain the options and set out the costs before you decide how to proceed.

Most of it happens by email. Your details are gathered once, the recommendation arrives in writing with the costs and the reasons, and you can check each step against what was agreed. It is quicker, it is clearer, and everything is on record.

More on how we work →

Before we apply

Your credit file, checked first. Lenders differ more on credit history than on almost anything else. Seeing your file before we choose one means your application goes to a lender whose criteria fit — no surprises, and no wasted searches on your file.

Why we ask, and how to get yours →

Advice

Different plans need different advice. Explore how we can help with your mortgage and protection.

  • First-time buyers 01
  • Moving home 02
  • New builds 03
  • Remortgaging 04
  • Buying from abroad 05
  • Buy-to-let 06
  • Self-employed & complex income 07
  • Protection 08

What to know

Our approach

Mortgage & protection

One plan, not two. A mortgage is checked for affordability before it starts, and on that day it fits. If it stops fitting later, it is usually because life changed in a way nobody saw coming: a long illness, an injury that stops you working, losing a partner. So the advice covers both — the mortgage, and how the payments would carry on if things changed.

It is part of the same advice, not an add-on. We check what you already have, including any cover through work, and only recommend what fits your budget and your situation.

Read the full guide to protection →

01

Income protection

Replaces part of your income if illness or injury stops you working, so the mortgage payments carry on.

02

Critical illness cover

A lump sum if you are diagnosed with a specified serious illness, to clear or reduce what is owed.

03

Life insurance

Pays out if you die during the term, so the mortgage does not fall on the people you live with.

How it works

From first question to mortgage offer. We explain what is needed at each stage. Lender checks, valuations and legal work affect the timing; we keep you informed as your application progresses.

Case #0001 · example · timings varyDay 00
  1. 01 · Understand

    Your plans, in detail.

    We gather the information about your circumstances, budget and what you want to do, along with your credit file.

  2. 02 · Advise

    A recommendation, explained.

    Your adviser sets out the mortgage, costs and reasons in writing, with time for your questions.

  3. 03 · Apply

    The details, checked.

    Once you are ready to proceed, we prepare the application and follow up outstanding requests.

  4. 04 · Follow through

    Support with the next steps.

    We check the mortgage offer and explain what happens next as the legal work moves towards completion.

Before you begin

A little clarity goes a long way. Answers to common questions, and short guides to read before your next move.

Questions about the process

Fees, timings and what to expect.

Mortgage guides

Practical starting points for your next move.

Your credit file

Why we check it first, and how to get yours.

Contact

Tell us what you’re planning. Where you are in the process and what you need help with — we reply within 24 hours, any day, with the next step.

General information. Personalised advice comes from Matt.

Email us

hello@fokushaus.co.uk ↗

Tell us what you are planning and when you hope to move or change your deal. A short message is enough to get started.

Opens your email app. Please leave bank statements and identity documents out of your first message; we will explain how to send any documents needed.

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