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
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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.