The mortgage market can feel complex and overwhelming, particularly when different lenders apply different criteria and affordability rules.
As an Independent Mortgage Broker, we search the market across a wide range of lenders to help find the most suitable mortgage for your circumstances — including some deals that are not available directly to the public.
To keep things simple, we follow a clear and structured process.
Initial Phone Conversation
We start with a short telephone or online consultation to understand your situation and what you are looking to achieve.
During this conversation we’ll discuss things such as:
• your income and employment
• your existing mortgage or deposit position
• your plans for the property
• any commitments or credit history considerations
This helps us understand your circumstances and determine whether we are able to assist.
Providing Your Information
If you would like us to proceed, we will explain our fees and service and then ask you to complete a secure form or provide the information required for us to carry out full research.
This stage allows us to gather the details needed to assess lender criteria and affordability accurately.
Research and Lender Recommendation
Once we have the information we need, we carry out detailed research across the mortgage market.
This involves assessing:
• lender affordability calculations
• lending criteria
• interest rates and product fees
• overall suitability for your circumstances
We will then provide our recommendation and explain the options available to you.
Agreement In Principle
Once you are comfortable with the recommended lender and product, we will obtain an Agreement in Principle (AIP) where appropriate.
This confirms that the lender is willing to consider your application based on the information provided and can help when making an offer on a property.
Submitting the Mortgage Application
We will then gather the documents required by the lender, such as:
• payslips
• bank statements
• identification
• proof of deposit
Once everything is reviewed, we submit the full mortgage application and ensure the case is presented clearly to the lender.
Managing the Application to Offer
After submission, we liaise with the lender throughout the underwriting process and respond to any queries that arise.
This includes monitoring progress, arranging the valuation where required and ensuring everything progresses as smoothly as possible until the formal mortgage offer is issued.
Once the mortgage offer is issued, your solicitor will handle the legal work required to complete the transaction.
We remain available throughout this stage to assist if any questions arise and to help ensure the process runs smoothly through to completion.
Once the mortgage offer is issued, your solicitor will handle the legal work required to complete the transaction.
We remain available throughout this stage to assist if any questions arise and to help ensure the process runs smoothly through to completion.