Mortgages

Consultations can be conducted via telephone or video call for mortgages, re-mortgages and general insurance arrangement

We discuss your affordability and help you understand maximum loan estimates, the mortgage process and costings

Full market research of the mortgage market to identify the most suitable lender for your exact requirements

An ‘AIP’ is a certificate, not legally binding you or the lender, that will display a loan sum agreed by the lender. If you receive an AIP, this means that you’ve passed the lender’s credit search criteria

If you’re purchasing a property, estate agents and private vendors will often require proof of the certificate. You can now instruct your adviser to proceed with the Full Mortgage Application

Your adviser will need details of your agreed purchase, address of property, solicitor details, estate agent details, alongside your fact-find to submit a full mortgage application

The lender’s underwriters will review your full mortgage application and make a decision

Once agreed, you’ll receive an offer letter that is legally binding to the lender and is usually valid for 3-6 months

The completion of the purchase or re-mortgage now depends on the efficiency of the solicitors. Buildings insurance is a mandatory condition of all mortgage offers – we can provide you with our most competitive insurance quote

When the solicitor has completed all legal processes and has exchanged contracts with the vendor’s solicitor, you will officially own the property