Following a discussion on what your needs are, we will carry out a thorough fact find to determine how much you can afford. This will include a detailed assessment of your income and expenditure. We will then search the market and find you the best option and present this to you, offer our expert advice and answer any questions you may have.
Once you are happy with the options you have been presented with, we will arrange to approach the chosen lender and apply for a decision in principle. This will ensure that you are able to borrow the amount you need to secure a house and put you in the best position when you find your dream home.
Once you have found the house you love we can liaise with the estate agents for you and provide them with the documentary evidence that we have to verify your position to proceed. We can also put you in touch with our approved solicitors who can provide you with a quotation to carry out the legal aspect of buying your home.
The next stage would be to apply for the mortgage. We will complete the application and keep you informed of any requirements the lender may need and also inform you once a valuation date has been confirmed. You will be kept fully informed throughout the process.
Once the lender has carried out their assessments and approved the lending they will issue a formal offer of the loan. You will receive a copy which we will go through the details with you. Your solicitor will get more involved at this stage and start carrying out the necessary checks on the property. Now your mortgage offer has been issued we will discuss our recommendations for any insurances we think you will need.
Once your solicitor is satisfied with everything and have received all your completed paperwork they will request the deposit from you and set a date to exchange contracts and complete.
At last! The wait is over and you get to move into your dream home! We will still be on hand for anything you need and will make regular contact throughout the duration of your mortgage…we will even contact you when your fixed deal is coming to an end to review your options and make sure you are continuously getting the best deal for you.
Please note, your home may be repossessed if you do not keep up repayments on your mortgage