He works in our Mortgage team. Toby is a really helpful chap and loves helping our borrowers with their mortgages. Here are our top 5 tips for things to consider when applying for a mortgage. This is by no means an exhaustive list, and could never replace the guidance provided by an independent financial advisor or by calling us to find out more. If you need any further help then we have lots of people just like Toby on the phone ready to speak with you. They’ll be happy to help.