We all know that buying and selling a property is one of the most stressful life events. Whether you are a first-time buyer, moving or remortgaging, when it comes to the mortgage process it can be daunting! Rest assured you are not alone.
We can help you with buying a new home, purchasing an investment property or remortgaging, supporting you through the whole process. Here, we have summarised the mortgage process that we take our clients through. Mortgage Steps guide. So you know what to expect.
From the very start of the process we ‘hold your hand’. Initially, we have a meeting to discuss your requirements and find out how much you can afford to borrow. We talk through the range of options available and seek an initial mortgage agreement, so you know what you can afford. Once you have found a new home, we apply and secure your mortgage and discuss any protection needs you may have. We then work with you on choosing the right survey and liaise with your solicitor in order to complete the legal process, seeing it right through to you getting the news keys!
Whether it is your own home or an investment property, when the time comes to remortgaging, we will assist in reviewing all your mortgage options, which may include remortgaging to an alternative lender. By discussing and understanding your plans for the future, goals, and requirements, we will present you with the best options and recommend the right mortgage option for you.
Buying an investment property
Whether it is the purchase of a first investment property or you are adding to your existing property portfolio, we are experienced at guiding you through the buy to let mortgage process. We will discuss the positive and potential negative issues that may apply to your purchase. Explore how capital growth and additional income from rental may be beneficial to you, while also considering the relevant tax matters. As with the ‘home buying’ process, we will guide you from start to finish, ensuring that the investment property is going to work for you!
Our advice process ensures we have you, our client, at the heart of everything we do. With tailored advice, specific to your circumstances, the aim is to help you understand the options available to you. Our meetings will be focused on your needs, working in partnership to achieve the right outcome for you.
Understanding the mortgage application process
So you know what to expect from us, your mortgage consultant, and to summarise our process we have put together this Mortgage Steps guide, summarising the key steps when applying for a mortgage.
Please note: Your home maybe repossessed if you do not keep up repayments on your mortgage.