Our Service Strategy

We have our own in-house Mortgage specialists, dedicated to guiding clients through the home financing process. Whether a client is buying their first home, stepping up the ladder or looking to grow a Buy to Let property portfolio our advisers can help them to achieve their goals and aspirations. In addition we will advise on the most suitable ways to protect the family, home and lifestyle from financial struggle.

The Financial Conduct Authority does not regulate most Buy-To-Let mortgages.

Our Mortgage Advice Service is designed to take clients through the stages of the mortgage term.

The five stages of our Service are set out below:

Stage One - The Factfind

Phase one is built around gaining a full understanding of a client's circumstances. We will conduct an initial meeting, at no cost, in order to explain how we will work and answer any questions. At this stage, we will also conduct a detailed Factfind in order to build a picture of a client's full circumstances and objectives.

Stage Two - Product Analysis & Presentation of Key Facts

Once we have established your objectives we will then use this information to review a comprehensive range of mortgages across the market on the client's behalf in order to find the most suitable  mortgage. We will then set time aside to meet up again and explain, in full detail, the key features and benefits of our recommendations.

Stage Three - Application

Once we have made our recommendations and the client is happy to proceed with the advice, then we will begin the application process. This will include;

• Requesting a decision in principle from the lender.
• Acquiring and analysing all necessary supporting documentation and providing this to the lender.
• Dealing with issues that may arise during the application process.
• Acting as a contact point between the Estate Agent, Lender and Solicitor on behalf of the client to help keep the process on track. We will provide both the client and any other related parties as appropriate with regular updates to help ensure that the entire application process is conducted as smoothly as possible.

Stage Four - Offer & Completion

Once the lender is satisfied the client meets their required underwriting criteria they will issue to the client a formal offer of mortgage advance. Once an offer has been issued then we will check it to ensure that it is correct and still relevant to the needs of the client.
 During the process, we will have discussed and made recommendations with regards to filling any potential insurances gaps that a client may have such as life assurance, critical illness cover and Income protection.

 We can also ensure that buildings & contents cover is on risk by the date of completion, leaving the client with one less thing to worry about.

Stage Five - Review

Once the mortgage has completed we will remain proactive in keeping the client abreast with any relevant information, to see what new mortgage deals may be suitable for them and where possible, to address any changes in their circumstances. A minimum of three months before the end of the specified product rate we will be in touch to arrange a review meeting in order that the client can continue to enjoy a competitive & suitable mortgage deal rate when their current product finishes.

We will charge a broker fee of between £0 and £499, payable on completion. The amount we charge is dependent on the amount of research and administration that is required.

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