Yes — the initial call is completely free and without any obligation. It’s simply a chance for us to learn about your situation and offer initial guidance before you decide if you’d like to move forward.

Absolutely. Many clients book a call months before they’re ready to apply. It’s a great way to understand your options early and prepare properly.

Not at all. The first call is informal — no documents are needed upfront. If we agree to proceed after the consultation, I’ll explain exactly what’s required and when.

This first call is more about understanding your goals. Product recommendations typically come later, once I’ve reviewed your full circumstances and documents.

If you’d like to proceed, we’ll outline the next steps clearly. That might involve a fact find, document collection, or putting together a recommendation — all explained with no pressure.

Yes — the call is a chance to get answers, not a sales pitch. You’re welcome to ask questions and get clarity before deciding anything.