Mortgage
Mortgage
Mortgages can sometimes be difficult to navigate. We’ll explore the market and recommend
the most suitable deals for you and your circumstances. You’ll have access to more mortgages than
would be available directly to you as a consumer, and therefore the best chance of finding
the right deal. We’ll take on the effort and paperwork so that you don’t have to..
Whether you’re interested in support with high value loan mortgages or you want to know more about shared ownership, we’re here to answer any question - big or small. Our goal is to get you to where you want to be on the property ladder, and make sure you understand each stage.
Why do I need a mortgage broker?
It's easy to navigate the mortgage process when you have a broker that really understands your situation and budget. We'll pull together all the information you need, spending time with you to get everything just perfect.
We'll ask you questions like:
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What are your plans for the future?
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What type of job do you do?
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What's your income and pay structure?
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What are your family circumstances?
We'll then research the mortgage rates on offer and look at the market to provide you with clear, relevant information you can use with confidence.
That way, when you're ready to make a decision, you can do so knowing that you've got all the facts.
What can a mortgage broker do for me?
Our mortgage advisers work closely with you to save you time and give you the very best chance of a successful application.
During the application process, we'll:
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Talk you through all your options with a free consultation
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Recommend the right mortgage for your situation
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Check how much you can afford to borrow
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Help you to gather the information and documents you need for your application
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Help you prepare your application for submission
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Submit your application to the lender
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Liaise with the lender, solicitors and estate agents.
Once your mortgage has been offered, we'll support you all the way through to completion.
We'll work hard to build a lasting relationship with you.
So you'll always have someone you trust to help with any queries or requirements in the future.
How does the buying process work?
We want to make buying a property as simple as possible. The process may sound complex, but we take away all the stress and manage all the paperwork for you.
Here's an overview of what happens:
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First, we'll work with you to set your mortgage budget
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You start the exciting bit ‐ viewing properties
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We help you make and secure an offer on the place you want
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You instruct a solicitor to handle the legal side of things
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We finalise and submit your mortgage application to your chosen lender
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They will survey the property to make sure the mortgage you want is reasonable
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Once they are happy with the valuation, they'll make you an official mortgage offer
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Your solicitor completes the legal process so you can exchange contracts and pay your deposit
That's it! The home is now yours and it's time to collect the keys.
How does the mortgage process work?
Getting a mortgage is important, but it doesn't have to be complicated. We'll handle every step for you, deal with all the paperwork and take away all the hassle. Here's a quick overview of how the process works and how we will help you:
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We'll talk to you in detail about your situation and budget to work out the maximum you can borrow. This will help make sure you're looking for properties in the right price bracket.
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We'll explain all the documentation we'll need to put together to support your application.
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Once you've found a property, we'll find your ideal mortgage and manage the application process for you. We'll make it as simple as possible.
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The lender then carries out a survey to assess the property, and their underwriter will review it all to confirm it's affordable for you. This might include asking for a reference from your employer or accountant
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Once the lender's happy with all the checks, they'll make a formal mortgage offer. Then we'll help you complete the legal details and exchange contracts with the seller. We'll be there to talk you through every single piece of paper so you don't need to worry about a thing.
FEE FREE!
When the mortgage is completed, we, like all other brokers, receive a payment from the lender. The distinction is that, unlike other mortgage brokers, we do not charge our customers an additional fee on top of this.