Advice for
Residential
Mortgages
If you’ve found your dream property, we can help find the right residential mortgage.
The pleasure of finding a new home shouldn’t be shattered with the pain of finding the right residential mortgage. After all, there’s plenty of stress involved in the moving process. When you work with us, we’ll take all the hassle away and be with you every step of the way. We’ll handle everything with the lender (and all the other parties involved as well), so you can get on with planning your moving in party.
Our residential mortgage advice process
Step 1: We listen
It’s important for us (and you) to take the time to get to know each other and to make sure we understand what you would like to achieve. It’s a cliche, but no two people are the same. And we want to make sure our advice and service is tailored to you.
Step 2: Our initial thoughts
After that, we’ll provide you with some details. Things like how much we think you can borrow and what kind of a mortgage deposit you’ll need to buy that dream home. We’ll also suggest the best type of mortgage for you, looking at fixed and variable rates.
Step 3: We search the market
We’ll then move on to search the market for you. In addition to finding you the best rate, we’ll take into account other things like lender service levels and affordability calculations. It’s all part of having an expert on your side. We can even arrange an Agreement in Principal for you with a lender so you know exactly how much you can borrow.
Step 4: Completion
We finalise your mortgage and you move in. Alas, we can’t guarantee the moving experience will be easy, but at least you are safe in the knowledge that you have the most appropriate finance for you.
Making it easy
Our mortgage advice process
Step 1: We listen
It’s important for us (and you) to take the time to get to know each other and to make sure we understand what you would like to achieve. It’s a cliche, but no two people are the same. And we want to make sure our advice and service is tailored to you.
Step 2: We provide our initial thoughts
After that, we’ll provide you with some details. Things like how much we think you can borrow and what kind of a mortgage deposit you’ll need to buy that dream home. We’ll also suggest the best type of mortgage for you, looking at fixed and variable rates.
Step 3: We search the market for you
We’ll then move on to search the market for you. In addition to finding you the best rate, we’ll take into account other things like lender service levels and affordability calculations. It’s all part of having an expert on your side. We can even arrange an Agreement in Principal for you with a lender so you know exactly how much you can borrow.
Step 4: Completion
We finalise your mortgage and you move in. Alas, we can’t guarantee the moving experience will be easy, but at least you are safe in the knowledge that you have the most appropriate finance for you.
Residential Mortgages
Case Study
Case Summary
Our applicant was going through a divorce and needed to buy a property big enough for her and her two daughters to live in. They needed to be close to their current school, which meant property prices were high relative to the local area and her having to maximise her borrowing to enable her to afford one. She worked as the CEO at an Advertising Agency.
Our Solution
Even though she wouldn’t be classed as a Professional applicant, we were able to secure a loan at 5.5x her salary which was enough to allow her to buy a suitable property.
The numbers
Mortgage Calculators
Our useful mortgage calculators can help you work out the key numbers without any hard questions.
