About your meeting

• How long is the initial appointment?

  Your initial mortgage meeting can last between 10 and 30 minutes, but we are happy to spend as much time with you as you need. Generally, mortgages take under 30 minutes, insurance may take longer, but at this point it’s simply getting to know you and seeing what we can do for you.

• What questions will my mortgage adviser ask me?

  Your mortgage adviser will ask you a range of questions about your financial situation and your needs, such as:

  How much do you want to borrow?
  What is your deposit?
  What is your income?
  What are your outgoings?
  What is your credit history?
  What type of mortgage are you interested in?
  How long do you want the mortgage term to be?
  What are your plans for the future, such as starting a family or changing jobs?

• What should I ask my mortgage adviser?

  Don’t be afraid to ask your mortgage adviser any questions you have about the mortgage process or about different mortgage products. Here are some examples of questions you might want to ask:

  What is the best mortgage for me?
  What is the interest rate?
  What are the monthly repayments?
  Are there any fees associated with the mortgage?
  What happens if I can’t make my repayments?
  What happens if I want to overpay on my mortgage?
  What happens if I sell my house before the end of the mortgage term?

• How can I prepare for my call with a mortgage adviser?

  The best way to prepare for your meeting with a mortgage adviser is to gather all of the relevant documents and to think about your financial situation and your needs. It is also a good idea to make a list of any questions you have.

  Here are some additional tips for preparing for your meeting:

  Be honest with your mortgage adviser about your financial situation.
  Be clear about your goals and what you want to achieve with the mortgage.
  Be prepared to compromise. It may not be possible to get the mortgage you want at the first time of asking.
  Be patient. The mortgage process can take some time, so be prepared to be patient.

• What will I need to apply for a mortgage?

  To apply for a mortgage it would be handy to have the following details.

  Proof of identity, such as a passport or driving licence
  Proof of income, such as recent payslips or P60 forms
  Proof of outgoings, such as bank statements or credit card statements
  Details of any savings or investments you have
  Details of any debts you have
  Details of the property you are looking to buy, if you have found one

• How much can I borrow?

  The amount you can borrow on a mortgage will depend on a number of factors, including your income, debts, and credit score. Your mortgage adviser will be able to give you a more accurate estimate of how much you can borrow once they have assessed your individual circumstances.

• What are the different fees associated with getting a mortgage?

  There are a number of different fees associated with getting a mortgage, such as valuation fees, arrangement fees, and legal fees. Your mortgage adviser will be able to tell you what fees you will need to pay and how much they will cost.

  Your initial meeting with a GHL Direct financial advisor to discuss your needs is always at our advisor’s expense (free to you) and without obligation.

• Can I reschedule or cancel my meeting?

  Of course, we have included an option to cancel or reschedule the day and time within your confirmation email.