Our mortage process.

The mortgage process can seem convoluted and confusing – but we keep things simple here. Our ambition is to provide transparent advice and information so you can choose the most suitable mortgage deal for your circumstances. We don’t turn our backs on complicated cases or shy away from those with adverse credit histories. Whatever your background, owning a property doesn’t have to be a distant dream. Working closely with you to define your exact requirements, we will help you achieve your future plans.

Mortgages don’t have to be scary or stressful. Our advisors are here for you every step of the way.

1. Initial consultation.

Time to get to know each other! During an initial consultation, we talk through your circumstances in detail. We also explain how the process works so you feel confident and fully informed moving forwards. We want to know as much as possible about you, your income, the type of property you want to purchase, and any regular financial commitments – so don’t hold back on the detail! It’s also worth having an up-to-date copy of your credit file handy so we can discuss your credit background.

2. Market research

Armed with the information you provided us with during the consultation, our independent advisors get to work. We conduct thorough and comprehensive research across the whole of the mortgage market, identifying the most suitable lender for your requirements. We specialise in helping everyone achieve mortgage approval – whatever the complexity of your situation, and whatever has happened in the past.

3. Bespoke recommendations.

We’ll provide you with our recommendations of the most suitable mortgage products and lenders for your circumstances and the property you want to buy. We have access to a trusted network of specialist lenders – some of which won’t deal directly with the general public. As a result, our recommendations represent the best possible options available within your circumstances.

4. Agreement in principle.

Once you’ve made a decision, it’s time to apply for an agreement in principle. This agreement provides reassurance that you’re likely to get accepted by the lender when you send in your full application, and means you can start viewing properties and even make an offer if you find something you like. Thanks to the rigorous nature of our research, you can feel confident that success is within reach.

5. Full application.

Found a property you love? This is the point in the mortgage process when you submit your full application. Don’t stress; we’ll be at your side, helping you make sure everything is correct and that you’ve provided all the documents required. Your application will be assessed by the underwriter, who will conduct in-depth checks into your credit history and financial situation to make sure there’s nothing that they don’t know about. The lender will also arrange for the property in question to be professionally valued to verify that it can act as suitable security for the amount you’re looking to borrow.

6. Successful offer.

If the lender is satisfied and your application has passed all the checks required during underwriting, they will issue a formal mortgage offer confirming that they are willing to lend to you. Offer in hand, you’ll be able to exchange contracts on the property you’re purchasing and begin the conveyancing process. At this point, we’ll discuss any insurance you might need, provide tailored recommendations, and put the necessary arrangements in place.

7. Mortgage completion.

As soon as your conveyancing solicitor has completed all the legal matters necessary to finalise the transfer of ownership, you can arrange a completion date. Your solicitor will then act on your behalf to request the funds required to complete the purchase. Once the lender has sent these to your solicitor, the sale can be formally completed and you can be registered as the new owner. All that’s left is move in day!