How we work

Clear, structured mortgage advice from first call to mortgage offer.

Not sure where to start?

Start with a quick initial mortgage review call. We’ll look at your situation, explain the next steps, and let you know what information we need before carrying out a full review.

How I Find the Right Mortgage for You

A clear overview of how I assess your circumstances, compare lenders and recommend a mortgage that fits your needs — rather than simply choosing the lowest rate on the screen.

  • How your income, debts, deposit and credit profile affect lender choice
  • Why different lenders can view the same client very differently
  • How we compare the true cost of mortgage deals, including fees and cashback
  • Why your budget and future plans matter when choosing a mortgage
  • How we move from Agreement in Principle to mortgage offer
  • Why we revisit the market before you proceed to make sure the recommendation is still right for you

What to expect during the mortgage process

The mortgage process can feel confusing — especially when different lenders apply different affordability rules and criteria.

As an independent mortgage broker, we search across a wide range of lenders to help find a mortgage suited to your circumstances, including options that may not always be available directly to the public.

To keep things straightforward, we follow a clear step-by-step process from your initial review call through to mortgage offer.

Our 6 Step Process

STEP 1 - Initial Review Call

We begin with a relaxed telephone or online review to understand your situation and what you are hoping 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.

STEP 2 — Gathering Your Information

If you decide to move forward, we’ll explain our service and ask you to complete a secure form so we can begin researching your options properly.

This stage allows us to gather the details needed to assess lender criteria and affordability accurately.

STEP 3 -Researching Your Mortgage Options

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.

STEP 4 - Agreement In Principle​

Once you are comfortable with the recommended lender and product, we will obtain an Agreement in Principle (AIP) where appropriate.

This gives an indication that the lender is willing to consider your application based on the information provided and can strengthen your position when making an offer on a property.

STEP 5 - Submitting the Mortgage Application

We’ll gather the documents required by the lender, such as identification, income documents and bank statements.

Once everything is reviewed, we submit the full mortgage application and ensure the case is presented clearly to the lender.

STEP 6 - Managing the Application to Offer

After submission, We liaise with the lender throughout underwriting and deal with 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.

Final Stages

Once your mortgage offer has been issued, your solicitor will handle the legal work required to complete the transaction.

We remain available throughout this stage to help answer questions and ensure everything progresses as smoothly as possible through to completion.