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Our Approach
Step 1: Let's talk!

No two mortgages are the same and they shouldn't be treated as such, so the first step is having a conversation to discuss your current situations and personal circumstances, we will get an understanding of what you are wanting to do and how we can assist to make it happen. This can be in person, virtual ,over the phone or by email whichever is easier for you.

Step 2: Researching the right mortgage for you

We are independent, that means we review all mortgage lenders, we do the running around to find you the very best mortgage product to fit your needs and circumstances.

Step 3: Presenting the results of our research

We shall arrange a follow up appointment, usually a telephone or zooms call to present our findings. We shall give you a mortgage proposition, explain the mortgage product and cover any questions you may have.

Step 4: Pre-approved

Once your lending potential has been assessed, you will be provided with a ‘decision in principle’ or a ‘mortgage in principle’ document. This document doesn’t mean that you have been granted a mortgage, but it is a statement confirming than a lender is willing to lend to you based on your credit score, and pending the receipt of the relevant paperwork. Armed with this document you are in a great position to make an offer on your chosen property.

Step 5: Application

If good news prevails and your offer is accepted by the seller, your official mortgage application process can begin. Your specialist mortgage broker will conduct a pre application summary appointment, confirm the mortgage to be applied for and prepare a mortgage protection recommendation for you. You broker will manage the whole process for you and only contact you if they need to during this time.  A hard credit check will now show up on your credit record and your personal information assessed in detail.

Step 6: Closing the Deal

If everything is in order and no problems are encountered during the valuation and application process then you should go on to receive your official mortgage offer. If you accept the offer then you need to instruct a solicitor to act on your behalf and undertake the conveyancing process for you. If you and the seller are happy, the solicitor will then manage the proceedings from here-on in. Once contracts are exchanged and a completion date in place, the property will be yours to own!

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