MORTGAGE APPLICATION PROCESS

From our first contact and right up to the time you move in to your new home or re-mortgage we will keep you and your solicitor fully updated with the progress of your mortgage.

Our first phone contact with you we will:

  • Discuss your mortgage requirements
  • Provide an estimate of your maximum mortgage eligibility
  • Give an indication of the likely costs and payments

At our first meeting we will:

  • Check all of your documentation (see list below)
  • Research a range of available mortgage products
  • Confirm your eligibility by completing an Agreement in Principle (AIP or DIP)

At our second meeting we will (this may be combined into the first meeting) :

  • Review the range of available mortgage products
  • Confirm all the mortgage costs
  • Collect any outstanding documents
  • Complete all the application forms
  • Obtain payment details for fees, such as the survey.

After our meeting we will:

  • Submit your application forms and ensure your mortgage is ‘offered’ in good time for you to complete the purchase or re-mortgage of your home.
  • We will keep you up to date with the progress of your mortgage by regular emails.  You may contact us at any time during the process by phone if you wish
  • Ensure your mortgage offer remains valid until completion

When you move in we will:

  • Liaise with your solicitor
  • Ensure all of your insurances are in place
  • Update your addresses

Document Checklist

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.

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