How We Work

By joining us for a fact find meeting, we can assess your income, deposit position and expectation, so the right mortgage product and borrowing level are established when considering the ever-changing mortgage market and lender criteria. We will also discuss essential factors which will affect the type of mortgage you may apply for, including:  

• The mortgage type, such as fixed or tracker rate  
• The appropriate amount of deposit  
• Overall affordability to ensure that you can make repayments 

If you wanted further assurance, we are happy to include other parties in our discussions so that you are comfortable with the process and advice.  

How You Can Help

You can help the mortgage process run smoothly by being organised. We will need some critical information such as income, identity and deposit, and most importantly, you must ensure that you have the correct documents to evidence these basic requirements. These must be kept up to date with us until the purchase is complete.  

The Deposit

If you need help with the deposit, we can source 90-95% loan-to-value products to keep your deposit requirement as low as possible. If you are dependent on your family to collect this deposit, we can help to remortgage and draw equity out of their property which can form part of your gift. 

Alternatively, many Family Springboard-type mortgages are available, which under the right circumstances can help you while you are getting on the ladder. Talk to us today to find which deposit option is best for you.  

Protection

As mortgage and protection specialists, we are happy to speak to you about protection requirements to ensure that you can protect your hard-earned property against unforeseen circumstances.