Mortgages

We get to know our clients to ensure we are providing the best advice, with access to the whole of market we can find the most suitable mortgage for their scenario.

 We have access to over 60 lenders and thousands of mortgages. 

We use our expertise and knowledge to bring a truly bespoke experience. 

We cater for Residential clients, helping First Time Buyer, Clients looking to Re-mortgage, Home Movers or clients looking to raise capital from their current property*.

*THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.  YOUR HOME MAY BE REPOSSESED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

In addition, we help clients that are new/established in buying investment properties, also known as Buy To Let Properties (BTL), either through the personal named routed or through a Special Purpose Vehicles (SPV) limited company entity.**

**SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

For the mortgage, we will take all the work out of the process for you, we will gather all the information you have provided, documents received, complete the formal application with the lender, liaise with the "Underwriters" (the guys who make the decision) to confirm everything ok, or if any further information is needed. 

If all is good with the lender, they usually agree the mortgage subject to a satisfactory valuation. The valuation confirms that the property is worth what is being paid and suitable security for the bank, so if they did have to repossess thy could get their money back.

Please note that the banks valuation is for their purposes, if you wanted a detailed report, we can refer you to a surveyor to complete a Homebuyers report, which is a detailed report for yourselves.

If the security of the property is all good and they are happy with the valuation and lending, a formal mortgage offer is issued to yourself and the solicitor, this is great news, you are on the way to buying your property.