Mortgage Services
The Range of Services That We Offer
Getting a mortgage is, for most, the largest and longest form of credit relationship that one can enter. The implications are long-lasting, so getting the right advice on the form, length, and protection level are very important. That’s where we can help.
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How We Can Help
There are many circumstances where you may require mortgage advice. This advice could range from your first purchase to buying your tenth buy to let investment property. It is essential to discuss your requirements in detail so that you can benefit from the right advice.
Mortgage
Finding the right mortgage requires an understanding of your financial position and future circumstances. Using our experience, we will secure the right mortgage for you.
First Time Buyers
Buying your first property is exciting. But managing the process to completion requires a trustworthy and experienced hand. This is where we come in. Please speak to us today.
Buy to Let
Property is a well-established form of investment. Finding the right mortgage product is essential as it will impact the profit you earn from the property. Please speak to us today.
Remortgages
Do you need to withdraw equity from your home? Are you helping the next generation get on the property ladder? We can help get the right remortgage for you.
Let to Buy
Whether upsizing for a growing family or downsizing for retirement, the Let To Buy process allows you to release equity to purchase the new property while keeping the old one as an investment.
Help to Buy
Purchasing that new-build home on a Help to Buy scheme can be very complicated. We will help advise and guide you through the whole process from start to completion.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Some buy to let mortgages are not regulated by the Financial Conduct Authority
Our Process
We like to make the mortgage process as simple and efficient as possible. To that effect, we follow a simple, systematic and safe approach where we extrapolate the essential information and safely package the evidence.
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Fact Find & Evidence Collection
Once we are acquainted, it is essential to be cognizant of your current position and understand the future you are building for yourself. All lenders require an in-depth understanding of your circumstances to ensure that you can maintain your repayments now and in the foreseeable future.
Proving this to the lender requires comprehensive and sensitive documentation. Our data protection policy and systems are governed by EU GDPR and regularly reviewed for your data security.
Sourcing & Presentation
Once we have the requisite information, we will review the extensive array of mortgage products. We will focus on your overarching goals, financial constraints, and complicated lenders’ criteria to arrive at the right mortgage product suitable for your needs.
We will proceed to present this product to you and explain the details of the mortgage that we feel best meets your requirements.
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Application
Once the product is sourced and presented, we will proceed to apply to the lender. We will provide the lender with all the requisite evidence. If necessary, we will prepare a business case to accompany your application so that the lender is aware of your unique circumstances and goals.
This process ensures that the lender fully understands your position without misunderstanding and concludes their underwriting on accurate information.
Conveyencing & Post-Completion Review
Throughout the conveyancing process, we will be on hand to answer any followup enquiries the lender may have. Complications can arise, such as the surveyor disagreeing with the stated value; we are there to find a suitable solution to the problem.
After completion, we will periodically review your mortgage and contact you at the right time to ensure the mortgage is still right for you.
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Life Insurance
Minimise the financial impact of your passing by obtaining an appropriate life insurance policy.
General Insurance
Protecting your home and investment is important and mandated by your lender. Find out more.
Critical Illness Cover
Are you thinking about protecting your home if you are unable to work. Speak to us today.
Income Protection
Want to protect your income? We can advise on policies that guard against accidents and illnesses.
Protection Services
Mortgages are only one aspect that we can help with. There are other alternatives and complimentary services that we offer which may be of interest. Below is a small list of what we offer.
If you would like more information do not hesitate to contact us using the meeting link below.
