Our Advice Process

Stage 1 – Before you find the property your adviser will

Complete a fact find to calculate how much you can afford to borrow
Discuss any incentives/discounts that may be available to you including government-backed equity loan schemes
Run through the costs associated with purchasing a new property including legal costs and mortgage-related fees
Obtain an Agreement in Principle

Stage 2 – Once you have found the property your adviser will

Discuss the mortgage and protection options most suitable for you
Research and recommend from the whole of the market the lender that offers the most competitive product to suit your individual needs
Submit the mortgage application and supporting documents to the lender to start the application process

Stage 3 – Once the mortgage application has been submitted our support team will

Proactively manage your mortgage application liaising with the lender until the mortgage offer has been received
Keep you, and any appropriate third parties, updated on the progress of your application

Stage 4 – Once the offer has been produced your adviser will

Review your protection needs and recommend the most appropriate protection solution to suit your budget

Our support team will

Submit your application to the protection provider(s)
Proactively manage your protection application(s) liaising with the insurance provider and third parties including your GP
Once protection terms have been agreed placing the policy(ies) on risk from exchange of contracts or completion
Liaise with solicitors and third parties including estate agents through Exchange of Contracts and finally Completion

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.