Do not worry such small firms survive on ignorant customers who don’t read important keynotes on their papers. They intentionally speak and offer “mana” for the best possible thing you can do. It’s a trap because they will win anyways. They will rip as much as possible and as long as possible. I have been there. Purchased laptop and at the end paid two more of them, meaning that I purchased from them one laptop, but they took me money as if I bought three for the same amount. Filthy game. Regarding the house, after deciding what options suit you, call
Mortgage Broker Nottingham, they helped when I was more or less at the same place as where are you now. Recommend.