Dear future mortgage customer,
We understand. Arranging a mortgage isn’t as easy as it used to be. In fact, it can actually be quite a challenging process.
How much can I borrow? What’s the process? Which bank should I use? What about a survey? Do I need one? Is it different from a valuation? Who arranges that?
Oh, and then there’s life insurance, do I need it?
To make things worse, you’re being bamboozled by friends, expressing how their recent move was the single most stressful thing they have done. Or your uncle’s mate ‘John’ down the pub. Apparently, he’s recently qualified as a mortgage broker and can “sort you out”.
Sounds exhausting.
The weird thing is, no one actually wants a mortgage. It’s a tool to help you reach your actual goal…buying a property.
Frustratingly, this is the modern-day mortgage process…
…but it doesn’t have to be. Wouldn’t it be nice if there was a mortgage broker that could help with the process?
The whole process.
Enter Joe & Sam.
Two good friends, and the creators of Mortgage HQ, the modern mortgage broker.
Our aim is to provide expert, friendly, affordable mortgage advice.
From working out whether buying is right for you, building your plan, right through to collecting your keys (or completing on your remortgage).
Due to the wonders of modern technology, we can offer mortgage advice throughout the UK. Or if you’re lucky enough to live close to us, you can pop into the office.
So what’s the process?
The Process
Step 1
Free strategy session
We’ll have an initial chat to run through your property goals and develop a clear plan on how to achieve them. We’ll discuss affordability, budget and run through tips and tricks that will help you secure your dream home.
Step 2
Mortgage in principle
With the information gathered, it’s time to obtain a mortgage in principle. This is a certificate from a lender showing that you’re able to borrow the required funds.
Step 3
Make an offer
Armed with a Mortgage in Principle, you are now in a position to find your dream home! Once you’ve found the right one for you, you’ll need to make an offer, which we are more than happy to assist with.
Step 4
Apply for a mortgage
Congratulations! Your offer has been accepted. Now we need to apply for the mortgage. We’ll check to see if any of your circumstances have changed, and then we will provide a recommendation on the right mortgage for you.
Step 5
Instruct a solicitor
You’ll need a solicitor to handle the legal process involved with transferring ownership of the property to you. We are able to recommend solicitors for you if required.
Step 6
Property survey
You’ll need a solicitor to handle the legal process involved with transferring ownership of the property to you. We are able to recommend solicitors for you if required.
Step 7
Mortgage offer issued
Once the lender has carried out their underwriting checks, they will issue the mortgage offer. The solicitor will check through to make sure everything is in order. They will then exchange contracts – this is when you’ll pay your deposit to your solicitor.
Step 8
Collect your keys
Time to pop the champagne! You’ve completed! Get ready to pick up the keys and move in.
Work with us, and have access to 90+ lenders and 12,000 mortgage products.
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