We will determine if you are mortgage ready (specific documentation will be required). - We will work out your maximum lending threshold. - We will advise on your best lender option(s) to secure a mortgage and illustrate mortgage costs relative to loan amount/ mortgage term / lender rates.

If mortgage ready and you wish to use our expertise we will apply for a decision in Principle (specific documentation will be required).

If the decision is successful then go find the home you want and make an offer. Offer accepted YAY !

Another key part of our service and expertise is managing the Mortgage Application and Submission process to help you secure a mortgage offer. We will revisit your client file and documentation to ensure it’s up to date and sufficient to support the lenders requirements for a successful case outcome.

The solicitor commences the legal process for purchase/remortgage of property

Building insurance is a condition of a mortgage offer. We will review any existing cover to ensure sufficient and will advise first time buyers on best protection for their needs.

If purchasing the solicitor confirms the exchange of contract date at which point you are legally bound to purchase the property and your house insurance schedule should be sent to the solicitor. Your protection plans should be put on risk to ensure the debt is protected. A Completion date is set for final transfer of funds. If buying a house you get the keys. If remortgaging you switch to your new lender.