Mortgages

Mortgages


As qualified mortgage advisers we are able to give impartial advice to help you find the mortgage that’s right for you.


Whether you're buying your first home, moving to a new one, or just reviewing the mortgage you've got, we can help.


We will help you work out how much you can afford to borrow, decide which type of mortgage is right for you and find the lender that will give you what you need.  We'll make sure you understand the whole process, so you always feel in control.


If you would like to discuss your mortgage needs please do not hesitate to contact us.


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


Residential

Buy to Let

Self Build

INDIVIDUAL ADVICE

All our services are tailored for each client and their individual needs.

INDEPENDENT FINANCIAL ADVICE

As independent advisers, we have full market access, making sure that we find the best mortgage for your needs.

Friendly & Accomodating

A long established family business, we pride ourselves on the customer journey.


Services can be provided face to face, telephone, email or online, using our secure client portal.   

No Mortgage No Fee

We offer a no mortgage no fee service. 


If for any reason your mortgage does not complete you have nothing to pay.

Download our Budget Calculator


This information will be required if you are looking for a mortgage, but this is also a great tool, helping you see where your money goes enabling you to better manage your budget.

Mortgage Journey 

A breakdown of the process.

  • Initial Contact

    We have a chat to make sure we understand your needs and current financial circumstances.  

  • Fact Find Completion

    Completion of a financial fact find is neccesary before we can provide any advice or recommendation.  


    The fact find can be completed over the phone, in our office or online at your convenience using our online client portal.

  • Affordibility & Mortgage Sourcing

    You have done your part, the fact find has been completed and now its up to us.  


    We  check the market on your behalf, sourcing the best terms for your needs. 

  • Costs

    After reviewing terms from the market, its time for us to go through costs with you and make  a professional mortgage recommendation.

  • Mortgage in principle

    Time to get a credit check done with a provider and hopefully obtain a Decision In Principle.  


    This document is an important step and is usually needed by estate agents to show that you are in a position to make offers on a property.

  • Offer Acceptable

    You have found your new home and have agreed to purchase.

  • Market Check

    We recheck the market to make sure that our original recommendation is stll suitable.

  • Mortgage Application

    After discussions with you and on agreement of a suitable mortgage lender and product, we submit a full application on your behalf.

  • Lender Processing

    The lender recevies your application and starts processing.  This will involve several checks being made 


    Identity, Address, Income, Affordability & Deposit

  • Valuation

    The lender will have a surveyor inspect the property to ensure the property is mortgageable and doesn't have any structural issues.

  • Mortgage Offer

    If all of the checks and survey are in order, the lender will issue their formal mortgage offer.  


    Usual time frame to get to this point can be 5/7 weeks from application.

  • Legal Stuff

    Our work is done and its time for solicitors to do their bit.



  • COMPLETION

    Congratulations on the purchase of your new home.

Interested in our services? We’re here to help!


We want to know your needs exactly so that we can provide the perfect solution.  Let us know what you want and we’ll do our best to help. 

Contact Us
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