Mortgages & Protection
In this dynamically changing and challenging economic environment, we understand that getting a mortgage can be a minefield. We therefore ensure that we not only get you that mortgage offer but will support you through this process until you complete or get that key. We will liaise with your agent and your solicitor to ensure that this is accomplished successfully.
We have access to the Whole of the market and many exclusive deals that are not available on the high street which means we will recommend the most suitable mortgage for your circumstances.
Our process is simple and engaging
We will assess your circumstances, establish your affordability and discuss your needs and preferences ranging from our desire for stability to when you will like to repay your mortgage. This will enable us to source the most suitable lender and product.
A Mortgage Promise, 'Decision in Principle' or 'Agreement in Principle' is an initial decision by the lender to lend after they have credit scored your application. This is useful if you haven’t found a property yet but would like to know how much you can borrow. It is also useful for beating the offer cue with the agent.
Submit Full Application
We will ensure that we submit your application as quickly as possible to ensure that we secure the best deal for you.
Obtain Mortgage offer
Provided that your application is successful and the property valuation is satisfactory, your mortgage lender will issue a Mortgage offer. This is s a formal document confirming that your mortgage loan has been agreed.
We will check that there are no discrepancies and ensure any mistakes are rectified.
We will ensure this reaches your solicitor in readiness for completion.