First Time Buyer
Without the knowledge and experience of the market, it can take an exorbitant amount of time to find the right product. A broker can aim to give the customer a greater understanding of all the types of mortgages on offer across the market rather than products with just one lenders. Once the client understand their options and what their preferences are a broker can then identify the most competitive products in line with the clients needs
1. Initial Assessment
1. Initial Assessment
You need to know how much you can afford to borrow, what the cost of borrowing will be and which lenders are best suited for your individual requirements.
2. Agreement in Principle
2. Agreement in Principle
We’ll help you secure an Agreement in Principle to help you with your negotiations when you are looking for a home.
3. View Properties
3. View Properties
With your Agreement in Principle you can view properties, safe in knowledge, you can negotiate in good faith.
4. Make an offer
4. Make an offer
When you find the home of your dreams, you can make an offer to the estate agent with the confidence you have your Agreement in Principle
5. Identifying the right products
5. Identifying the right products
At this stage, we help you narrow down your options to the lenders with products that fit your needs and circumstances.
6. Full mortgage application
6. Full mortgage application
The full mortgage application can be quite complex. We’ll ensure it is completed quickly and correctly and satisfy any queries from the underwriter.
7. Underwriter assessment & valuation
7. Underwriter assessment & valuation
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8. Mortgaged offered
8. Mortgaged offered
Having completed the mortgage application and satisfied any questions, you will now have your mortgage and be in a position to complete.
9. Legals & Completion
9. Legals & Completion
Your solicitor will take the lead on the final stage of the purchase, involving searches, survey and exchange documents. We will be on hand to answer questions you have.
We believe we have the market knowledge and access to find the most appropriate solution for you, no matter what your circumstances and needs may be. We can act fast and take care of the myriad of paperwork, ensuring you can complete on your home safe in the knowledge you have the most suitable mortgage product specific to you.
“Julian turned the daunting task of obtaining the right mortgage into a pleasure. Working at a time and location to suit us, he helped us to understand the wide range of products whilst being honest about where the best products could be found.”
Darren Hutton & Nicole Lyle
Not quite sure what you need? Let us try to help save you money, time and find the very best solution on the market for you.