Our quick and easy step by step guide
Whether you are looking for a mortgage on your own home, or on an investment property with a buy to let, our team will endeavour to find the most suitable deal for you and your plans.
Quick and easy booking system
Get in touch with us by clicking the ‘Free Consultation’ button, you can quickly and easily book a time that suits you directly into our advisor’s diary. Choose to receive a call or opt for a face-to-face meeting via Teams or Zoom. After booking, we’ll promptly send you an appointment confirmation detailing the necessary documents and allocate you an experienced adviser.
Prefer an email or phone call?
Receive a quick response from our friendly team within 24 hours of requesting a call back. If we can help you and you’re ready to proceed, we’ll arrange our initial meeting at your convenience. Alternatively, you speak to our experts directly by calling our freephone number 01634 968 111.
First Meeting (30 – 60 minutes)
We recommend selecting a video meeting when booking the appointment for optimal efficiency and engagement. During this meeting, we’ll discuss your situation, future plans, advise of any additional information/documentation that may be required and discuss the next steps in detail.
Proud to be paperless
We know paperwork can be a hassle, especially for mortgages. That’s why we’ve simplified the process for you. Just upload your documents via our secure link or your preferred document-sharing method, and you’re good to go. Our paperless approach makes everything smoother and more efficient for you.
Recommendations
Following their research, your designated adviser will present and discuss their tailored recommendations with you. This will include details of rates and any associated fees that may apply.
Agreement in Principle
If you are happy with the recommendations that you have discussed with your adviser they can request an agreement in principle to give you the reassurances that all should be approved once you apply for your mortgage.
Application
When you’re ready to proceed your adviser will submit the full application to your chosen lender. At this stage the lender will assess any supporting documentation requested and make any necessary arrangements for the property valuation/survey.
Mortgage Offer
Once the lender confirms that they are satisfied with the property and they are happy with the documentation provided, the formal mortgage offer will be issued. This confirms their willingness to lend. A copy of this will also be sent directly to the acting solicitor.
Offer / Pre-completion
Now you have the reassurance that your mortgage is formally approved your lender, your dedicated adviser will discuss with you any possible insurance and protection needs and make any recommendations and arrangements for you and your family.
Completion
Once your solicitor has finalised the necessary legal matters and all parties are ready, you can look to arrange your actual completion date! The solicitor will then make the necessary arrangements to request the funds.
Post Completion
As part of our bespoke mortgage service, our team will contact you again nearing the expiry of your mortgage deal to ensure that you are always set up on the most appropriate product and best rate for your needs.
Quick and simple online booking system
We have access to over 12,000 mortgage products from more than 90 lenders for your benefit
We can provide face-to-face, digital and telephone advice for our clients
We provide a full range of lifestyle and income protection cover to protect you from the unexpected
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount will depend upon your circumstances.
The fee is up to 1% but a typical fee is £598.
