How we work
Before we start working for you it’s vital we understand your circumstances, what you need and your future plans. This means we can design your mortgage to fit snugly with your needs. We call this a factfind.
After we’ve done our factfind, we scour the market for the best deal for you – choosing from the thousands of mortgages in our vast UK market. We put the options we have found to you in full but straightforward language and give you our recommendation as to the one you should take. At this stage we let you know of any fee we will charge to manage your application to a successful conclusion.
We strongly believe in helping our clients achieve secure mortgages, so together we will carefully consider affordability and the risks involved – such as interest rate changes and protection – in case anything happens to you or to the house. Our recommendation covers not only the mortgage but also insurance protection.
Decisions made, we take care of everything for you. All the paperwork, and all the chasing until the lender’s and insurer’s offers are received and checked, and the legal work is done to get the mortgage in place.