You’re in safe hands.
Navigating the mortgage process can feel overwhelming, but we’re here to make it as simple and stress-free as possible. Here’s what to expect when you work with us:
Initial Enquiry
The first step is reaching out! Whether you're a first-time buyer, moving home, or looking to remortgage, get in touch, and we’ll be in contact to understand your situation and how we can help.
1.
Book an Appointment
Once we’ve had an initial chat, we’ll arrange a full appointment at a time that suits you. We offer flexible options, including face-to-face meetings, phone consultations, or video calls—whichever works best for you.
2.
Attend Your Appointment
This is where we dive into the details. We’ll discuss your financial situation, income, outgoings, and affordability, as well as your short- and long-term goals. We’ll explain what’s needed at each stage and gather any formal documentation required to proceed with the research.
3.
Research & Assessment
Using the information and documents provided, we’ll assess your financial position and search the market for mortgage deals that best suit your needs. We’ll consider factors such as affordability, interest rates, and lender criteria to find the right solution for you.
4.
Presenting Your Options
There’s no one-size-fits-all mortgage, which is why we take the time to explain all the available options. We’ll talk you through each recommendation, ensuring you understand the benefits, potential costs, and any important details. By the end of this step, you’ll be equipped to make an informed decision about your next move.
5.
Agreement in Principle
Before proceeding with a full mortgage application, we’ll obtain an Agreement in Principle (AIP), sometimes called a Mortgage in Principle (MIP) or Decision in Principle (DIP)—don’t worry, they all mean the same thing! This involves a credit check and gives an indication of how much a lender is willing to offer, strengthening your position when making an offer on a property. This is not a formal offer.
6.
Mortgage Application
Once you’ve found the right mortgage deal, we’ll secure the interest rate and submit a full application to the lender. They will then request formal documentation—most of which you will have already provided—before assessing and verifying your application.
7.
Underwriting
& Valuation
The lender will carefully review your documents and conduct a mortgage valuation to ensure the property meets their criteria. This is a crucial step in the process, ensuring that both you as the borrower and the property itself meet the lender’s requirements.
8.
Mortgage Offer
Once the underwriting process is complete, the lender will issue a formal mortgage offer document. This serves as confirmation that your mortgage has been approved, outlining all the key details of your loan. A copy will also be sent to your solicitor to begin the final stages of the process.
9.
10.
Get The Keys
Now it’s over to your solicitors to complete the legal work required for your transaction. Typically, this process takes between 3 to 6 months, and we’ll be on hand to support you every step of the way.
Need a solicitor? We work with trusted professionals and are more than happy to put you in touch with someone reliable to help with your purchase.
