How It Works
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- How It Works
Simple Five Step Process
A five-step, client-focused process—from initial discovery to ongoing support—designed for clarity, speed, and seamless results.
We begin with a 15-30 minute focused consultation, either in person or online. Here we walk you through the mortgage process, assess your affordability, and outline the best path forward.
Following the meeting, we present a tailored mortgage strategy with clear recommendations, lender comparisons, along with a full breakdown of rates and fees. In most cases your Agreement in Principle is delivered at the same time, giving you the full confidence to move forward with offers.
Once you’re ready to proceed, we manage the entire application process on your behalf. You’ll be assigned a dedicated case handler who works alongside your broker to collect documents, prepare your application, and keep everything running smoothly.
We liaise directly with the lender throughout underwriting. This entails answering questions, chasing updates and negotiating terms where needed. During this time, we also keep an active eye on the market in case more competitigd options emerge before completion.
Once your mortgage completes, our relationship doesnt end there. We stay in touch to review your loan when appropriate and remain on hand to offer advice whenever you need it, ensuring your mortgage continues to work for you over time.
Ready to Get Started?
Experience mortgage advice that’s as professional and personalised as you are—without the hassle.
Frequently Asked Questions
Your top mortgage queries answered clearly and concisely.
What documents do I need to apply?
You’ll need proof of identity, income (payslips or tax returns), bank statements, and details of any existing debts.
How long does the mortgage process take?
From our initial call to completion, most cases close in 6–8 weeks, depending on lender turnaround and property valuation.
What fees can I expect?
We charge a transparent adviser fee (outlined upfront) plus any standard lender and legal fees—no hidden costs.
Can I switch lenders later?
Yes. We offer ongoing remortgage advice to help you secure better rates or adjust your mortgage as your circumstances change.
Do you work with overseas buyers?
Absolutely—our team guides international clients through virtual valuations, foreign-income documentation, and UK lending criteria.
What is the minimum deposit required?
Most lenders require at least a 5–10% deposit, though larger deposits can unlock better rates and wider options.
Can self-employed professionals get a mortgage?
Yes—our team works with specialist lenders and uses comprehensive income verification to secure competitive deals for the self-employed.
How do I know which mortgage type suits me best?
We assess your financial goals, career trajectory, and risk tolerance to recommend either fixed, tracker, or variable rate products.
Are interest-only mortgages available?
Interest-only options exist for certain clients; we’ll help you understand eligibility, repayment strategies, and long-term implications.
What happens if my mortgage application is declined?
We’ll review the reasons, explore alternative lenders or products, and adjust your application strategy to improve approval chances.
