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 best deal for you and your plans.
Our quick and easy step by step guide
Get in Touch
Please contact us on our freephone number 01634 968 111 or alternatively submit your enquiry online by clicking here.
Pre-qualification
One of our experienced and qualified advisers will discuss with you your situation and future plans in more detail and advise of any additional information/documentation that is required to carry out a thorough search of the market.
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.
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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.
