Complete the following form to find out what mortgage products could be available to you.
We work with over 100 lenders in order to provide you with the right mortgage for your circumstances.
We'll ask a series of questions to deeply understand your needs. Some are essential for lenders, while others help us tailor our advice to your unique goals and preferences. This ensures our recommendations align with your personal requirements.
We'll research suitable mortgage options and insurance coverages like home, life, and critical illness. In a follow-up meeting, we'll present our top recommendations, including an “illustration” (ESIS) showcasing details such as the lender, rate, and payments.
Once you agree with our recommendation, we'll apply for an initial approval (known as a DIP or AIP) with the chosen lender. This checks if they meet the lender's basic criteria.
If approved, we'll submit the full mortgage application. Lenders may request supporting documents like payslips and ID. Our role is to ensure smooth progress by liaising between the lender and the client, aided by our support team.
The lender will then arrange a property valuation. If satisfactory, and after their checks, they'll issue the Mortgage Offer.
Conveyancing is the legal process of securing a mortgage or transferring property ownership, handled by a solicitor or licensed conveyancer. While the Mortgage Adviser isn't directly involved, maintaining communication can be beneficial, as shared documents or lender liaisons might be needed. After all legal checks, an exchange date is set (for purchases), leading to a completion date when the mortgage begins and the client officially joins the selected lender.
As we finalise your initial mortgage process, remember that our relationship is continuous. As you approach the end of your initial rate period in your new home, we'll be in touch. We'll review whether it's best for you to continue with a new deal from your current lender, or consider options with a different lender.
We'll also discuss any changes in your circumstances, like a salary raise, to see if adjustments in your mortgage terms might be beneficial. Meanwhile, relax and enjoy every moment in your new home!
Read what our customers have to say
It's normal to have questions, so we've answered some of the most recurring ones.
Once you have found the property you want to buy, our mortgage advisers will assess your personal needs and circumstances and recommend a mortgage product that is right for you. They will compare hundreds of mortgage quotes, including a number of exclusive products that cannot be found on the high street or comparison sites, and ensure that you get the right deal at a great price.
If your offer is accepted, you will need to appoint a solicitor to handle searches, surveys and contracts, which we can arrange for you. We handle the entire mortgage application process through to completion, liaising with your solicitor and lender to ensure that your application is a success.
The firm do not charge a fee for mortgage advice.
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