How It Works

Choose a time that suits you. We’ll ask a few quick questions to understand what you need and what you’d like to achieve.

We’ll talk through your plans, budget, deposit, credit history and timescales. If you’ve already found a property, we’ll cover that too.

What to prepare –

• Income and expenditure details
• Deposit amount/available funds
• Existing mortgage details (if remortgaging)

We search the market and compare lenders to find options that fit your circumstances, then we explain the pros and cons simply and clearly.

You’ll get: a clear recommendation and a breakdown of costs and monthly payments.

If you’re ready, we’ll arrange your Decision in Principle to support your offer.

* You might also hear this as Mortgage in Principle (MIP) and Agreement in Principle (AIP). Yes, it’s all the same thing.

We complete the mortgage application for you, liaise with the lender and submit all supporting documents.

We’ll manage: lender queries, updates and next steps.

The lender completes their checks and valuation. Once approved, your mortgage offer is issued.

We’ll: review the offer, explain it, and make sure it matches what you agreed.

A mortgage is a long-term commitment, we’ll also help you consider insurance options so you can protect your home and lifestyle if something unexpected happens.

Your solicitor/conveyancer completes the legal work. We’ll stay in touch with all parties to keep things moving, right through to completion day.