It is always a good start to have a short conversation together over the phone and listen to what you are looking to achieve now and in the future. It is also a good opportunity for us to find out a little about your current circumstances and a little about your expectations. We will fully introduce ourselves as “whole of market” mortgage and protection advisers. It is important to know that we can help get you into your new home and also keep you there as we will also be advising on protecting your home.

We will send you our mortgage “introduction pack” by email and also ask for your express permission to collect your details under the current GDPR directive. The main aim is to progress towards completing a special document called a “Fact Find”. This is a form designed to collect all of your financial details so that we can provide information and advice, as well as help, take your application to the next stage.

I will ask you as part of the process to fill in a “client agreement” form which instructs us to act on your behalf.

We will need to see certain documents such as proof of ID, Proof of Residency, and also evidence of Income. We will specifically advise what we need once we have completed the fact find document.

Based on all of the information you have given us we will source the most suitable mortgage for you and come back to you with some options. We may speak to some lenders on your behalf to make sure that your application for a mortgage is going to be successful. You cannot take shortcuts at any point in the process but especially this one.

We will provide all of the “key Facts” illustrations with regard to your mortgage. As the name suggests the illustration will explain the main points of the mortgage to you.

Additionally, we will possibly recommend further products or services as follows:

• Solicitors / Conveyancing– If you are buying, selling or even both there are big advantages for using a solicitor that we have a relationship with. We will provide you with a competitive estimate for the works.
• Protection Products– We are here to advise whether you need any form of income protection, critical illness cover, life cover as well as Buildings & Contents

The “decision in principle” is one of the most important milestones in the mortgage process these days. It means that you have been agreed for the mortgage subject to full application. If successful, then we will progress your application. If you are looking to buy a property this is the time to start seriously looking. We will provide wherever possible a “decision in principle” certificate.

At this point, we will apply for the mortgage if you are happy to proceed and will check again that all needed documentation has been provided. We will also send you a report outlining our reasons for recommending the mortgage type that we have applied for.

We will case manage the mortgage process ensuring that the application has been approved, all documentation is provided to the lender as well as ensuring that valuation is instructed. We will ensure that you are on track to receive a mortgage offer as soon as possible.

We will of course liaise with any third parties such as estate agents and solicitors on your behalf should you wish. It is all part of the service!

We will advise and arrange your protection products in parallel with your mortgage application.

This is your finance sorted on your new property or remortgage.

Once you have your mortgage offer you will be reliant on the solicitor and estate agent to complete the purchase process for you. The first step is usually “Exchange of Contracts” with “Completion” done either simultaneously or set for a date shortly afterward.