Thankyou
We have your booking & your phone appointment with GHL Direct is confirmed. We're looking forward to chatting with you. Sit back, relax, and we'll give you a call when it's time.
Changed your mind?
Not a problem, you should have already received an email we sent to with an option to cancel or reschedule your booking.
How long do I need?
The initial meeting can last between 10 and 30 minutes, but we are happy to spend as much time with you as you need. No pressure, just a friendly conversation with no obligation to take our advice.
Whose calling me?
Get ready for the personal touch. We'll assign you a dedicated adviser will call you from their work phone to introduce themselves. This will be your primary contact going forward for any questions you may have.
your meeting
Common questions
Our initial mortgage meeting can be as short or as long as you need. Typically, it takes about 15-30 minutes, but we're happy to spend more time if you have questions.
We'll mainly focus on understanding your financial goals and finding the mortgage that best suits your needs.
Your first call is a friendly, introduction, we'll ask about you and your financial situation to see if we can help:
- Annual income (salary, bonuses, self-employment income, etc.).
- Other sources of income (rental income, investments, etc.).
- Monthly expenses (rent, utilities, groceries, transportation, etc.).
- Existing debts (credit card balances, loans, etc.).
- Savings and investments.
- Deposit amount for the property purchase.
Don't hesitate to ask your mortgage adviser anything you're curious about. Here are some questions to get you started:
- What's the best mortgage for my situation?
- Can you explain the mortgage interest rate and how it works?
- How much will my monthly payments be?
- Are there any hidden fees or costs I should know about?
- What happens if I have trouble making my payments?
- Can I pay off my mortgage early, and if so, is there a penalty?
- What happens if I sell my house before the mortgage term ends?
Remember, your adviser is there to help you. The more questions you ask, the better you'll understand the mortgage process and choose the right option for you.
Prepare a list of questions: Write down any specific questions you have to ensure you get all the information you need.
Be honest and upfront: Provide accurate information about your financial situation to avoid any delays or complications.
These probably wont be needed on the initial call, but always good to have in preparation:
Proof of income: Pay slips, tax returns, or self-employment records.
Bank statements: Recent statements from your primary and savings accounts.
Credit report: Obtain a copy of your credit report from a credit bureau (e.g., Experian, Equifax). We can also do this on your behalf.
Identification: Proof of your identity, such as a passport or driver's license.
Property details: If you've found a property, have the address and estimated purchase price ready.