We follow a clear, step by step process to make sure securing your mortgage is straightforward and stress free. Here’s how it works:
1. Initial Consultation: We begin with a face-to-face meeting to understand your goals, financial situation, and any specific requirements. This is your chance to ask questions and outline what you’re looking for.
2. Needs Assessment: We review your income, credit history and affordability. We’ll discuss options like fixed rates, variable or interest only mortgages, and consider factors such as deposit size and term length.
3. Market Research: As independent experts, we scour the mortgage market, including major lenders such as HSBC, Barclays and specialist providers to identify the most suitable mortgage products for you.
4. Personalised recommendation: We’ll present tailored options with clear comparisons, including costs, rates and potential risks. No jargon - just honest advice.
5. Application support: Once you have decided, we handle the paperwork, liaise with lenders and guide you through valuations, surveys and legal processes.
6. Completion and beyond: We ensure a smooth completion, and our support doesn’t end there – we’re available for remortgage reviews and future advice.
Throughout the process, we prioritise clear communication and transparency, with all fees disclosed upfront.
