Frequently Asked Questions
Our customers most asked questions on mortgages & insurance
You won’t have to wait long at all. Send us your details now and we should be able to get you an appointment with a Mortgage Advisor within the hour if needed. Our calendar lets you choose any day & time.
An initial meeting with a GHL Direct mortgage advisor can last up to one hour, though it does depend on the complexity of your circumstances. Usually though it will be under 30 minutes.
To make the most of your time with your mortgage advisor, it can be handy to have any questions ready, as well as any information or documents relating to your finances (such as savings or bank statements). If you have found a home already the details on deposit and value will be good.
It really only takes 20 seconds to send us your details, tell us when to call and your all done. We will assign you a mortgage advisor based on your postcode or whoever we think will manage your requirements best. Alternately, you can choose your own mortgage advisor by using our search feature based on your location,
An initial meeting with a GHL Direct adviser to discuss your requirements is always at our advisers own expense and always without obligation. Our Mortgage Advisers charge according to the complexity of each individual case. Some mortgage advisers will charge an up-front flat fee between £195 & £499, while others will take commission from the bank or lender providing the loan. Your mortgage advisor will outline all this to you at the start of the meeting.
A GHL Direct mortgage advisor will work around what’s best for you. We can meet in your home, via video call or the most popular choice via telephone. It really is your choice, any day, any time, any place that works for you works for us. The meeting will include a ‘fact find’ session, which enables the mortgage advisor to understand your current circumstances, future goals and priorities.
Whether you’re buying your first home, expanding your property portfolio or remortgaging, our mortgage advice can be a great help. Taking professional advice can make the difference between a successful mortgage application and being rejected. It may also lead to a much better value deal as we have access to over 50 of the major Mortgage lenders in the UK, potentially saving you thousands of pounds over the mortgage term
Our mortgage advisors are not restricted to any particular providers, and will act solely in your best interests. You should be confident the deal they recommend will be the best available mortgage for your circumstances. Our mortgage advisers should also: Explain the various mortgages available and the different types of deals Advise you on how much you can afford to borrow Have access to special mortgage deals that are not available on the open market Help you prepare for your application to boost your chances of success Be able to save you money overall by finding a mortgage with lower interest rates and fees Remember that every unsuccessful mortgage application may harm your chances of success next time around, as each refusal will appear on your credit record. Using one of our mortgage advisers will maximise your chances of being accepted first time.
Financial Guides For You
We’ve put together some guidelines with the aim of helping you understand what you need to think about & making you feel more confident about your financial decisions