HOW WE WORK

Initially we’ll send you a form to complete to gather your basic information – your current living arrangements, your objectives, occupation, income, monthly expenditure, assets, liabilities, existing mortgages, future mortgage requirements etc. We’ll also send you details of our terms of business and data protection information so you can see exactly how we work too. 

Having taken into account all your information, we’ll then start talking to lenders to gather a selection of options that fulfil your requirements. We consider affordability, loan terms and duration so you can choose the option that suits you best. We’ll send you an advice and mortgage illustration plus a list of all the documents we’ll need from you to submit your application. 

Once you’ve chosen the loan that suits you best, we then complete the application forms and submit your application. We’ll keep you updated every step of the way, leaving you free to focus on the other aspects of your purchase. 

We’ll work with you to gather all the information required by the lender, usually identification, proof of income, address and employment status. 

If you have not yet found the property you wish to buy, we can apply for a mortgage in principle for you. This will demonstrate to sellers that you can proceed with a purchase. You will also be several steps down the line to securing your loan once you have found the property you wish to buy. 

We’ll always keep you up to date on your application and are here for any questions or queries that may come up along the way. Please don’t hesitate to speak to us! 

Once your mortgage offer comes through. we’ll liaise with your conveyancer, so they’ll receive everything they need before you exchange contracts. We’ll also liaise with all parties over expected exchange and completion dates. At this point, we recommend you review your will, life insurance and consider any other policies you may feel important to put in place, depending on your personal circumstances. 

Our standard fee for our advice and service is £495. This covers all steps along the way from gathering your information, our research and presentation of options to you through to submitting your application, receiving your mortgage offer and liaising with your conveyancer. If we are simply processing a product switch with the same lender at the end of your current mortgage deal, no charge is made.

The lender you choose also pays us a commission which we will fully disclose to you. This may be a fixed amount, a percentage of the loan of a combination of both. Typically, a lender may charge a product fee and you have the option to pay this up front to the lender or you may be able to add it to the loan and pay it back over the agreed term.

All lenders are different, and we will discuss these options with you before you complete any applications.