Mortgages

Navigating the mortgage market can be challenging, particularly for first-time buyers as well as anyone wishing to move house. As it’s one of the biggest investments you'll make in your life, you'll want the best advice and support you can get. That's where we come in.

Need our help?

We have lots of experience in helping people make sense of the housing market and navigating mortgage options. Whether it’s a first-time buyer making the move into home ownership or someone looking to move, we’ll be there through the whole process; taking you from your first contact with us right through to the day you get the keys to your new home.

We’ll work hard to make the process as smooth and as quick as possible for you.

Step 1: Getting to know you

The first and most important step in the journey is for us to get to know you and understand exactly what you require. We’ll talk about your current financial circumstances, how much deposit you have and the types and cost of the properties you are interested in. We may also need to address your credit history. Don’t be put off by this. By getting to know you, we can provide the tailored service you need and it makes researching a mortgage for you much easier. We’ll ask you to gather ‘proofs’ that are required for the full application, things like ID, bank statements and proof of income.

Step 2. We’ll do our research

We have access to a wide selection of mortgage lenders including lenders you won’t see on the high street. Even someone who has had credit issues in the past may still be able to get a mortgage. In the majority of cases, you’ll have a choice of lenders. We’ll talk you through the options and help you decide which is the best option for you.

Step 3. Decision in Principle

Once you have agreed an option, we’ll organise a decision in principle with the chosen lender (aka a DIP or AIP – agreement in principle). A DIP/AIP is an initial agreement from the lender telling you how much they are willing to lend you (providing you meet all the criteria of a full application). Knowing how much you can spend will help in your search for your new home.

Step 4. Full Application

Having found you dream home, you’ll make a formal offer via your solicitor. Once your offer is accepted, we’ll complete the full application. We’ll ask you for any ‘proofs’ that we don’t already have, and any additional information required by the lender. All being well, the lender will provide you, your solicitor and us with copies of the full mortgage offer.

Step 5. Date of Entry

You and your solicitor will negotiate a date of entry with the seller. The solicitor will make arrangements for you to pay the deposit to them in time for the settlement. You’ll also need to provide details of building and contents insurance as this is required by all lenders as a condition of you mortgage. We can provide quotes for building and contents insurance as well as quotes for Life insurance.

Step 6. Keys in hand

On the agreed entry date, you’ll pick up the keys to your new home. Congratulations! You are now a homeowner.

If you think we can help you to find your first or next mortgage, give us a call.