Mortgage advice in Stevenage
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of pension and investments can fall as well as rise. You may get back less than you invested.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
We'll help you every step of the way
Whether you’re a first time buyer, looking to buy a bigger family home or downsize for retirement, considering a buy-to-let investment, release equity from your existing home or just looking to save money on your current mortgage we are here to help.
Four steps to take the stress out of getting a mortgage
Step One – We can arrange an initial discussion face to face or by telephone to get an idea of what you want to do. We then send/email you a short questionnaire, a budget planner and the necessary regulatory documentation.
We can recommend an excellent solicitor/conveyancer to handle your purchase and any associated sale and provide you with a fixed price quote for their services.
Step two – Having collected the necessary information from you and understood exactly what you are trying to transact, we can undertake the preliminary research. Having designed the best solution for your circumstances we then go through our proposals to enable you to decide whether to proceed.
If you want to change your mind and change the criteria we will then make the necessary alterations. At this stage we can submit an agreement in principle to the lender to make sure they will accept you.
Step three – Once you have given us the go-ahead to submit a full application, we then prepare all the necessary documentation and provide you with a list of all the documents we will require from you. Once we have all the documents we submit the application to the lender in whatever format they require. At this stage we also need to ascertain what protection needs you may have and confirm a price to you.
Step Four – Having submitted your application, our service doesn’t stop there. We continue to liaise with the lender to get the mortgage offer issued as quickly as possible. At the same time we speak to your solicitors and estate agent to make the process as smooth as possible. We will continue to speak to all parties and regularly update you until you complete on the transaction.
Looking for a mortgage? Call 01438 359300 for a FREE, no-obligation initial consultation today!