We work close with solicitors and can make recommendations so we can liaise them them and the mortgage providers to make your your buying process is done smoothly and quickly so you can move into your dream house.
There are loads of comparisons sites out there who give you information but then leave you to deal with the process yourself. Having experts available who know the markets and can analyse your personnel circumstances to save you trawling the internet and learning what the providers require takes the stress out of buying your first property. This should be the most exiting time for you but can often turn into a nightmare. We will take the pain away and make this the memorable experience it should be.
Your personal circumstances will dictate who we make recommendations for. There are 500 lenders in the market and each of them have different underwriting criteria. We recommend the lender that is the cheapest but most importantly that will say yes.
The application process for a mortgage can be an onerous process if you dont know what the lenders require. We package the deal so that they have everything they need from day one to speed up the process and so there is no backwards and forwards. All of this is done to make the application process as smooth as possible.
Lenders criteria is a moving target and they will continue to ask questions through the process, we do all of this for you so you can concentrate more on furnishing your new house than answering numerous questions.
Protection and Insurance
Once you own your house one of the most important things is that you have all the right protection in place. We will insure not only you life and if you were to get a critical illness but your income if you are unable to work because the last you you want after you have bought your dream house is to lose it. All mortgages have to have building and contents cover.
Transparent and honest.
A mortgage is an important part of many peoples home purchase. Advice is key to getting you the most suitable deal for your home purchase if you need a mortgage.
We charge a fee for all our mortgage advice to cover the administration costs involved in working on your behalt to get you the right product. Our fees range from £99 to £750 depending on the product and complexity required.