Frequently Asked Questions

HomeSafeHeaven is an independent matching service that helps connect you with suitable lending partners. We are not a direct lender. Our role is to understand your needs and match you with lenders who may offer products that fit your situation. We simplify the process of finding and comparing home loan options.

Loan amounts typically range from £50,000 up to £2,000,000 depending on your financial profile, property value, and lender criteria. The final approved amount is subject to affordability checks, credit assessment, and underwriting by the lender. Not all applicants will qualify for the maximum amount.

Interest rates vary based on market conditions, your credit profile, loan amount, and loan-to-value ratio. Rates typically start from around 4.2% APR, but the exact rate will be confirmed by the lender during the formal application process. Your actual rate may be higher depending on your financial circumstances.

Initial eligibility checks are instant. Full approval timelines depend on document verification, property valuation, and lender processing times. In most cases, the complete process from enquiry to approval takes 1-4 weeks. Timelines may vary based on the completeness of your application and the lender's workload.

No, our initial eligibility check uses a soft search that does not impact your credit score. A full credit check (hard search) is only performed when you proceed with a formal application with a lender. Multiple hard searches in a short period may affect your credit score.

Many lenders allow early or partial repayment, but this may be subject to early repayment charges depending on your agreement. Some fixed-rate products have penalties for early repayment. Full details will be provided in your loan offer before you commit.

Typically, you will need proof of identity (passport, driving licence), proof of address (utility bills, council tax), income verification (payslips or tax returns for self-employed), bank statements, and property-related documents. Exact requirements vary by lender. Visit our Documents Required page for more details.

Our matching service is provided at no cost to you. We are compensated by our lending partners when you successfully take out a loan through our service. Any fees from lenders (arrangement fees, valuation fees, etc.) are clearly disclosed before you proceed with any agreement.

Both employed and self-employed UK residents aged 18 or over may be eligible. Lenders will assess income stability, credit history, and affordability before making a decision. Each lender has their own eligibility criteria, and approval is not guaranteed for any applicant.

Yes, many of our lending partners offer specialized solutions for self-employed individuals. You may need to provide additional documentation such as 2-3 years of tax returns (SA302 forms), business bank statements, and accounts. Each lender assesses self-employed applications differently.

Some lenders may consider applicants with less-than-perfect credit, though options may be more limited and interest rates may be higher. Each lender has their own credit criteria. Our matching service can help connect you with lenders who may consider your specific situation.

After submission, we review your information and match you with suitable lending partners. A representative may contact you to discuss available options. You'll then work directly with your chosen lender to complete the formal application. Submission does not guarantee approval.