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10 steps to Mortgage & Insurance success
KNOW YOUR BUDGET
Collate your paperwork (payslips, bank statements, etc.) and speak to us to find out how much you can borrow and what you can afford. If it helps use our range of Mortgage Calculators.
FIND YOUR MORTGAGE
Based on your credit score and finances, we research the market to find the best mortgage products for you. We then gain an Agreement in Principle (AIP) from your chosen Lender.
MAKE AN OFFER
Find your ideal property (if you haven’t already) and with your AIP in place you can make an offer. Once accepted, we willl help you complete your Full Mortgage Application.
INSTRUCT A SOLICITOR
Drainage) and liaise with the sellers Solicitors.
Your Lender will require a valuation on the property and you can order your own survey to check its condition as it could reveal potential problems.
If everything is in order your Lender will issue you an official mortgage offer. You have seven days to decide if this is the right product for you. Do speak to your adviser if you have any questions.
Your adviser can offer you quotes on Buildings & Contents Insurance, Critical Illness cover, Life Insurance cover and Income protection insurance at this point.
COMPLETE & EXCHANGE
Your Solicitor agrees a completion date for you and contracts are signed and exchanged. Your Solicitor will manage the transfer of funds from your Lender to your seller’s Solicitor.
FINAL LEGAL STEPS
YOUR NEW HOME
Now the legal process is complete, you are the proud owner of a new home and can collect your keys. Congratulations and don’t forget we are still here for you at any time in the future.
Find an adviser in your area
Who needs Mortgage Advisers
Thanks to change within the industry you will now find yourself faced with a lot more forms when you apply, which can require details about everything from your family planning, holidays & commuting costs to how much you spend at the pub.
There are many types of mortgages available, numerous additional things to think about and costs to bear in mind. If you’d like more information, or would like help planning your first property, want to Remortgage or a Buy To Let Mortgage please get in touch.
An initial meeting with a GHL Direct adviser to discuss your requirements is always at our advisers own expense and always without obligation.
Your Mortgage Adviser
After their initial chat with you they will advise you on what are the right mortgage and protection products for you in terms of the interest rates, loan to value, stamp duty and the likelihood of your application being accepted. This is important for anyone looking to buy or remortgage a house, as applying to the wrong lender for your unique circumstances and being rejected could cost you your perfect home..
Our advisers deal with over 50 Mortgage Lenders and 6 major Insurance providers so will be aware of any stumbling blocks waiting to trip you over. We can help you avoid wasting time by applying to a lender whose criteria on the face of it, you the applicant appear to meet, but because of the small print the application may get rejected.
Sit back & relax
We’ll make sure you qualify for any deal before you apply saving you valuable time & effort and making the whole process stress free.
Not only that, you’ll get expert advice if you want it on how to protect your family, your home and possessions with ongoing support throughout the whole mortgage process.
Still not sure you need a Mortgage or Insurance adviser? Why not get in touch with us to see how we make Mortgages & Insurance simple, its no obligation advice and we call you back for free.
With you all the way
Getting to know you we will want to learn more about you, your circumstances, and your overall financial position. We’ll also want to hear your thoughts on which type of mortgage you believe is right for you, before we talk you through the pros and cons of each option.
When you first speak to us, we have to tell you what our charges are and how they are paid. We also have to say if there are any
limits to the range of mortgages we can recommend for you.
Using our expert knowledge and database of several thousand mortgages, we will find the ones that are most suitable for your