Our first step is to get to know you! We'll meet online, or in-person somewhere that suits you, and discuss your situation and goals, as well as what we can do to help. This is also an opportunity for you to ask as many questions as you need to.
Here we will get into the details of your circumstances, your goals, and the types of mortgage protection you might need.
This is where we really get to work! We'll get digging to find you some great deals that are appropriate for your needs and circumstances covered in the previous steps. We'll then discuss our recommendations with you so you can choose whichever one will suit you best.
Once you've chosen your ideal recommendation, we'll apply to the lender on your behalf. We'll make an agreement in principle, involving an affordability assessment and credit search. This is also the right time to ensure your mortgage and personal protection is applied for depending on what you do or don’t already have in place, safeguarding your home and family for the future alongside reviewing your wishes for your estate and belongings.
Once the lender has assessed your application, verified your income, and conducted a valuation, they will issue a mortgage offer. You will then be able to progress with your conveyancer or solicitor, exchange contracts, and complete!
Once everything is done and dusted - and if you've purchased a property, you're settled in - we'll continue to keep in touch via an annual review to see how things are going. We're with you for the long haul!
