After the initial fact find and the adviser has an understanding of your mortgage needs, we obtain an agreement in principle for you. This is simply an indication that you will be able to obtain a mortgage based on the information provided. Having an agreement in principle is very important in terms of presenting an offer to a potential seller. It qualifies your position as a serious buyer and one who is able to move quickly. You get the reassurance that you can borrow the sum of money you are relying on and the payment is affordable to you. 

We will be happy to provide a detailed explanation of the home buying process and associated purchasing costs. Indeed, if necessary, we can advise you on home information packs and refer you to specialists in this area and specialists also in Conveyancing. We will tell you how much you need to pay and when you need to pay it. The adviser will also provide more general advice and recommendations relating to any required mortgage protection, income protection and associated insurances where required. However, we do not insist these are mandatory. This will enable you to make an informed decision on what is often considered to be one of the largest financial commitments in life.

 Managing your mortgage application

Once you are in a position either to proceed with a purchase or, of course, in the case of a re-mortgage, agreed on the loan size, then we will submit the application on your behalf. We will monitor this application, keeping you informed of any additional requirements and comments from the lender. In processing your application, we can keep you informed by post, telephone or email and, if required, face-to-face meetings. Our process regarding equity release and home reversion is more lengthy and we may operate a 3-stage system to ensure you are well informed before committing.

For more information, please use our enquiry facility on our contact page

Your home may be repossessed if you do not keep up repayments on your mortgage.