Factfind

Initial Mortgage Review and Fact Find, face-to-face or telephone meeting. Discussion of mortgage strategy options.

Research

Research across the whole market to match needs with products available.
Preparation of research options. Issue of Key Facts Illustrations.

Decision in Principle (AIP)

Suitable lender approached - clients credit scored, credit checked and Agreed in Principle (subject to full underwriting)

Offer Acceptance

Property offer accepted and memorandum of sale issued

Full Application

Application submitted to the lender on-line. Collation of required documentation for the lender. Communication with lender underwriters for production of the offer. Organisation of general insurance or life cover requirements where requested.

Mortgage Offer Issued

Offer details checking.

Contracts Exchanged

Guidance to exchange of contracts.
Liaison with estate agents and solicitors to organise completion.

Completion Review

Post completion review to ensure customer expectations met and referral request.