The Process

Want to know what happens?follow a track, mortgage track

Here is the track we follow to arrange any mortgage:-

Initial conversation, we complete the Fact Find, and discuss the clients’ needs, wants, and future plans.
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If the client is happy to use us, we request a Client Agreement is signed to officially engage our services.
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Client needs to provide proof of ID, residence and income items.
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We research case, speak to potential mortgage lenders and insurance companies to ensure an application will be successful.
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We make a ‘Decision in Principle’ application to the lender to obtain their lending decision. If successful, we progress case. If not, we go to the next lender on our list.
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We prepare all Key Fact Illustrations (Quotations) for Mortgage and Insurance Policies. We then determine our recommendations for the case.
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Discuss fully our recommendations with client. 
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 If the client is happy, we prepare  all documentation needed for Mortgage and Insurance applications. 
(At this point, you can stop the process without paying the broker fee.)

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We complete all application forms (Mortgage and Insurances), either online or by paper application in conjunction with client. (At this point, our broker fee is payable, if  applicable)
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We complete the  ‘reasons for recommendation report’, sends to client.
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Ongoing regular contact with lender, insurance companies, solicitors, estate agents. Calls to client with update information as necessary.
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Contracts are exchanged (and insurance policies put in force).
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Contracts are Completed. Client happy, gets keys or funds. Everyone’s happy!
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There is no minimum time frame for a case to run to. We have known cases to be completed within 7 days from start to finish (where all parties involved were aware of the urgency of the case), and sometimes it may be spread over a couple of months. Every case really is different, but when we know of your time-frame, we will ensure it is met where humanly possible.

Of course, the above is only an overview that we run to. We are flexible enough to go ‘off-track’ as any case dictates. This is where our experience really tells and we ensure, to the best of our ability, that the case stays ‘on-track’ to ensure a successful conclusion.