Mortgages

The mortgage market is a minefield with many mortgage lenders all offering different lending criteria with a variety of mortgage products and rates.

We have access to the mortgage market and coupled with our significant experience will match your requirements and needs to the right product and lender.

The process starts during our first contact and we’ll confirm our Terms of Business and issue you with Guides to our Services. In preparation for our meeting we’ll request lots of information including details of your credit report, your expenditure and of course your income. We would ask you to email this information to us or to bring it along to the meeting. We will also ask you to confirm what your monthly budget will be.

During our meeting, either physical or by phone, we’ll ask you lots of questions from your marital status to smoker status and much more in between. It’s imperative that we fully understand your circumstances, warts and all!

We will also discuss your requirements and chat through the various mortgage and protection options you have.

Next we’ll discuss the ‘way forward’ and if you would like to proceed then we will issue you with a couple of documents, an Authority to Proceed which will confirm our fees and how we are going to proceed and a Privacy Notice which we’ll ask you to read and sign.

We will start the research process and report back to you with our advice and illustrations if this is successful and you confirm you’re happy to proceed then we’ll apply for your new mortgage once this is agreed with a decision in principle we’ll proceed to full application.

We will provide you with a Suitability report to confirm our advice which is always useful to clarify your requirements and our advice.

During the mortgage application process we will update you regularly until mortgage offer stage and we’re always here to chat through questions, queries or offer advice.