We can advise and broker on a range of mortgage solutions, including options for first-time buyers, those moving home, remortgaging or looking to raise additional funds. We also advise on Buy-To-Let (BTL) mortgages, and other mortgage situations.
Please use our free calculators to empower your decision making when working out your borrowing goals and affordability. You can estimate your monthly payments, borrowing capacity, and other costs, as well as exploring the benefits of making Overpayments!
Our objective is to make your experience with us as uncomplicated and efficient as possible. Once we have completed the initial steps and you have supplied the required information and documentation, we will take care of the rest.
After receiving your inquiry, we will arrange a short initial consultation. This is our opportunity to understand your situation and aspirations.
We will use this time to go through some of the various options that may be available to achieve goals as well as answering any questions you may have.
At the end of this time, we hope you will be informed about your position and options and prepared to engage in a more formal advice process.
Any fees for our services will be discussed and outlined during this meeting, before any further work is undertaken.
The aim of this next step to expand on the initial consultation and acquiring an in-depth understanding of your circumstances. This will normally be the most arduous part of the process from your point of view, but by ensuring we have the most complete picture of your situation will enable an overall considerably smoother process.
We will be requesting further information from you, including personal details, details of income and expenditure, assets and liabilities.
We will require also supporting documents, such as, proof of income via payslips/SA302s/Company Accounts, and of your expenditure with bank statements. We will also need to collect ID documents for mandatory checks.
It is now over to us to use the information you have provided in both the Consultation and Discovery to source the most appropriate borrowing deals for your situation.
We will aim to keep you updated throughout this process and may be in touch to discuss any Lender specific issues that may arise.
4. Advice – Agreement/Decision in Principle, AIP / DIP
4. Advice – Agreement/Decision in Principle, AIP / DIP
Once we have formulated our advice, this is our chance to present back to you and discuss our recommendation.
We will take time to explain the various details of our recommendation, making sure you fully understand what we are recommending and how it meets your requirements.
We want you to feel happy with our advice and will welcome any questions you may have.
Once you have had an Offer Accepted and providing you are happy with the recommendation; we will ensure that your application is completed and submitted to the lender in a timely manner.
We will then track your application, whilst keeping you regularly informed of its progress.
Once your formal offer to lend is received and returned to your lender, our process is complete – This does not mark the end of our service to you.
There is a myriad of things that can delay or derail your plans. We commit to being on hand to support you wherever we can all the way through to completion and beyond.
We hope that you are so satisfied with our collaboration that you will welcome our call when it is time to refinance.
Contact us today,
Please call us on 01252 403 245, or complete the form here, providing a brief outline of your enquiry and we will reach out to you to arrange a friendly and informal, no obligations consultation to understand your enquiry further.