Frequently asked questions – FAQ’s I am asked these questions – a lot. I’ve written my typical answer. I appreciate that not every situation is identical, so do not hesitate to ask your own question. (click on the question to see the answer) Q. Can you get me a mortgage? Q. What kind of insurances do I need? Q. What’s better – fixed or variable? Q. What happens if I can’t pay my mortgage? Q. How much will my mortgage cost? Q. Do we have to meet face-to-face? Q. What do I need to do to get a mortgage? Q. Can I get a lender’s Decision in Principle? Q. Are you Independent/Whole of Market? Q. How much are your fees? Q. I have a medical issue, can I get insured? Q. Why should I use a mortgage broker?