What Happens When You Contact Us?

Once you make your first contact, we will be in touch with you by email, whatsup or sms to gather a few more basic details and also arrange a suitable time to have an initial consultation call. We will always arrange this personally with you.

What Happens During the Initial Consultation Call?

One of the first questions you might ask us is probably how much you can borrow. To give you a sound answer, we are going to be looking to answers to some questions, basically like what kind of property and where to buy, the reason for the loan, your income and deposit, your expenses, how much would you like to spend and your credit history. We will also get to understand what’s important to you, give you the opportunity to ask any initial queries you may have

SHOPPING FOR A RESIDENTIAL MORTGAGE ?

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Before you buy or refinance a home, get our advice.

What Happens After the Initial consultation Call?

Our job is to recommend and secure the right mortgage for you. Not just for somebody like you, not for most people like you but specifically for you. There are lots of things that need to be considered when getting your first mortgage and it’s our job to get the right mortgage for you.

After the initial meeting and the fact-finding with you, we will have a good idea about what exactly you are looking for. This amount can vary massively from one bank to another. This is because certain banks like certain types of income more than others. 

Even for straightforward salaried employees, the amount banks will offer them varies. Some lenders even consider lending more to people in specific jobs such as chartered accountants, barristers, dentists, doctors and solicitors etc.

Once we have all information, we will be able to search for the most suitable product for your needs amongst the 1000’s of mortgage products on the market with over 170 lenders. Once we have found the best one for you, we will arrange a second meeting with you to discuss , the product we recommend.

What Happens During 2. Consultation meeting?

When we come back to you with the most suitable product and you are ok with it, we can then follow up with a summary of where we are at, what you will need to do and a clear plan on how we can move to the next stage.

We will gather all the documents we need and pre-check them to ensure they are up to scratch for lenders. The most important bits about what you tell us will need to be evidenced by documentation. Typically, we ask you to provide proof of your ID (usually two forms of ID), address and income and deposit. These are usually payslips if you are an employee, or Tax Calculations and Tax Year Overviews (usually 2 years SA302s) if you are self-employed, and maybe your employment contract and budget planner.

Once our recommended product is accepted by you, we can then get the application moving and your dedicated case manager will take over and deal with the lender for you and manage the case right through to completion.

How do you know which is the best offer? How do you know if you are being offered the best terms? We are here to guide you.!

What Happens NEXT?

A Decision in Principle (DIP) - The first thing we'll do is to issue you with a DIP letter. A DIP letter is a certificate or statement from a lender to say that, 'in principle', they would lend you a certain amount. This is important to ensure that we have locked in your rate and lender. This in principle gives you a clear idea of what you can afford, so you know your potential buying power and also your limits. It is the first step to getting a mortgage which lets you know how much you could borrow. It will also give you an idea of the properties you can afford.

Many estate agents (and sellers) will only take you seriously if you have an AIP and they often ask to see it before they want to show you the properties you want to view. It shows that you're serious about buying.

Valuation - A valuation will need to be carried out. Your lending manager will let you know the costs and make sure we have all the correct information so this part runs smoothly.

Underwriter - Your relationship director will make a submission to our Customer Due Diligence and Credit teams for approval.

Mortgage offer and Legal Work - After the mortgage offer has been issued, most of the work is done by the legal people. We may be able to recommend you a conveyancing solicitor that we trust to do a good job for you.

Protection of your property:

To protect your property against damage to the structure, you need to have Buildings insurance. This will be a condition of the mortgage and must be at least enough to cover the outstanding mortgage. Understanding what type of insurance and level of cover is right for your property and its contents can be complex and of course, you want to ensure you get the best policy at a price to suit your budget. We can arrange suitable building insurance and content insurance. Contents insurance covers the cost of replacing or repairing your possessions if they are damaged, destroyed or stolen

When you ask a Mortgage Broker to arrange a huge debt for you, they have a responsibility to help you ensure you can repay that debt. If you can’t, you could lose your home.

A mortgage enables you to get a home and your income enables you to get a mortgage. If your income stops or reduces for whatever reason, you may find it difficult to survive. It could be even worse if you rely on sharing costs with a partner, or friend, and that person dies. The debt doesn’t die with them. If you want we may refer you to someone who could help you protect yourself from disaster by helping you to arrange life insurance, income protection and critical illness cover including cover in case any children became ill or if they are not permitted to do so they can refer you to someone who can.

Take the first steps towards mortgage success now.??

Request your initial consultation call by filling out your details and we will be in touch within 48 hours to arrange your no-obligation chat.!

After the application; We will keep you up to date with the progress of your application all the way through to you getting your mortgage offer and eventually keys.

Between your mortgage being offered and you finally moving in, you may have hundreds of questions. We will be happy to support you with these and we will be on call right to completion.

After the completion; Your mortgage will come around for review quicker than you realise. When it does it will be handy to have it reviewed by somebody who keeps up to date with the mortgage market every day.