Here’s what happens next.

There are some important documents that you’ll want to download that explain our Terms of Engagement and how we process your personal information.

We don’t charge any advice or brokers fees for residential mortgages or remortgages but we do charge an advice fee of £295 on application for buy to let, second property or holiday home mortgages.

We don’t sell your private information to third parties and we will only pass information to third parties with your consent – for example if we are obtaining mortgage illustrations or submitting business on your behalf.

Terms of Engagement 01 10 2022

The meeting is scheduled for 45 minutes and it would be helpful but not essential to complete a mortgage financial questionnaire before the meeting.

Mortgage Questionnaire 01 11 20

If your finances are joint with a spouse or partner and you expect to be buying a property either jointly or in your sole name information for both parties will still be required.

If you are unable to make this meeting, please try to give us as much notice as possible to either cancel or reschedule. Deliberately providing false information for a mortgage application is fraud and you risk prosecution.

Frequently Asked Questions

If you are able to complete the questionnaire above before the meeting, it will be helpful.
You will need to have the following information available:

  • Last 3 years address history for all parties
  • Basic Income / Bonuses / Overtime / Commissions
  • Details of all loans, credit cards and other mortgages
  • Bad Debts for example CCJs / Defaults
  • Savings / Equity (For deposits)
  • Investments (If you are planning to repay the mortgage on an interest only basis)
  • Pensions Information (If you are planning for the mortgage term to extend past your normal pension age)

We will take a snapshot of your current financial position using the mortgage questionnaire above.

Based on your circumstances we will be able to give an indication of any likely mortgage fees or associated costs as well as the monthly payments.

If this is your first mortgage or you find this sort of thing quite dry, we can help guide you through the jargon and make sure you are comfortable with the decisions you’ll need to make.

Our aim is to get you a great deal on your mortgage and take away the hassle of the paperwork and case chasing that  is part of the process when you do it yourself.

With your consent, we will obtain a decision in principal from a lender to check your eligibility for a mortgage – this will be the the lender who is offering products on the most favourable terms if you have uncomplicated circumstances or the lender that is most likely to accept you on the best terms if your circumstances are less straightforward.

When you are ready to proceed with your purchase or remortgage, we will search the market again to make sure the provider we have the Decision in Principal with is still offering the most competitive terms and then apply on your behalf.

We will then chase and progress your case to completion, keeping you updated throughout the process.

There are no charges to arrange a residential mortgage to purchase a new home or remortgage your home. We will be paid a fee by the mortgage lender for arranging your mortgage, this fee will not influence the provider and will not add additional costs to the mortgage.

If you are buying or remortgaging a second home, holiday property or buy to let we will charge a fee of £295 which is payable on application.

If you can’t make the meeting, that’s not a problem – Please let us know as soon as possible and we can reschedule to a new time or cancel the meeting.