Service Overview
Whether you are a first-time buyer, looking to remortgage, or an experienced property investor, our mortgage advisory service provides you with access to a wide range of products from across the market. We help you navigate the complexities of mortgage applications to find the most suitable and cost-effective solution for your needs.
Eligibility Criteria
- A stable source of income (employment or self-employment).
- A good credit history (though options exist for those with adverse credit).
- A minimum deposit (typically 5-10% for residential, higher for buy-to-let).
- Proof of identity and address.
- Meeting the lender's affordability criteria.
Required Documents
- Proof of ID (Passport or Driving Licence).
- Proof of Address (Utility bill or bank statement from the last 3 months).
- Last 3 months of payslips or 2 years of certified accounts (if self-employed).
- Last 3-6 months of personal bank statements.
- Proof of deposit (e.g. savings statement or gift letter).
Process / Workflow
- Initial Consultation: We discuss your goals, budget, and financial situation.
- Agreement in Principle (AIP): We help you obtain an AIP to show sellers you are a serious buyer.
- Full Application: Once you've found a property, we submit the full mortgage application.
- Valuation & Underwriting: The lender assesses the property and your financial details.
- Mortgage Offer: Once approved, you receive a formal mortgage offer.
- Completion: Your solicitor handles the final legal steps and funds are transferred.
Benefits of the Service
- Market Access: We search a vast range of lenders to find the best deals.
- Expert Advice: Professional guidance on the right mortgage type (fixed, tracker, etc.).
- Time-Saving: We handle the paperwork and communication with lenders.
- Tailored Solutions: Mortgages for unique situations (e.g. contractors, foreign nationals).