The Mortgage Advice Process

The following information covers the mortgage advice process, from our first contact with you , through to the sending of a mortgage application to the lender.

1. Understanding You

By gathering information from you, we will get to fully understand your needs.

We will also get to know what provisions you already have in place that you can use to secure your desired finance or protection.

At this stage you will find out what to expect from us and how you will benefit from using us.

2. Planning

We’ll explore and research various scenarios to make the best use of your existing provisions. We’ll then recommend how you can best secure your finance and protection. We build upon your current plans, to help maximise the chances of you achieving your objectives, both present and future.

3. Implementation

Here’s where your vision becomes reality. Like most of our clients, you will probably prefer us to do the necessary work to put your plan into action. This will save you a lot of time and effort and ensure your plans are set up correctly. We will charge you a fee for doing this, which we will explain to you. Alternatively, you may decide to implement our recommendations yourself, in which case we just charge you for our time and advice.

4. Refine

Nothing stands still, so it makes sense to check your financial circumstances regularly. We suggest you do this annually. This way you will find out if your plans are affected by any government announcements or interest rate changes. You will also hear from us if we have something that we feel will interest you.