Welcome to the Mortgage Expert Hub - run by club member Rowan, who is a whole of market Mortgage & Protection Broker. He is able to offer a Question & Answer facility, and discussion forum for our members for all things mortgage, property or insurance related. If you do not wish to discuss things on an open forum please PM for contact details. Please note: Content on this forum does not constitute personalised advice or recommendation, and if you wish Rowan to advise on and submit an application for you, this will be done 'offline' and any broker fees will be waived for ClioTrophy.co.uk members.