Mortgages
impartial mortgage advice from professionals who care
Every move is unique
Whether you are buying your first home, looking to secure a buy-to-let property, or simply looking to change lenders for a better deal or to release equity - we know each situation is unique. We work on a case by case basis to secure the perfect deal for your situation assessing the whole of the market for you.
Why work with us?
We are independent
As independent mortgage advisers in Peterborough, we are uniquely positioned to give you totally impartial advice, tailored to your unique situation.
We are not tied to any bank, meaning if we can save you money by looking at alternative lenders - that's exactly what we'll do!
We can save you money
Since we have access to the whole of market - even mortgage lenders not on the high street, we could potentially save you tens of thousands of pounds over the duration of your mortgage.
You don't need to settle for the figure your bank offers and we'll present you with all the mortgage options!
We simplify the process
House buying is a complicated and often stressful process, so we make sourcing and securing the best mortgage simple.
We provide expert mortgage advice at every stage of the application, giving you a partner in your move from our first phone call to the day you move in!
Is now the right time?
One of the first steps to deciding if now is the time to buy your first or your next property is working out a comfortable monthly repayment that fits within your budget without compromising on your lifestyle, which is why we've created this handy mortgage repayment calculator to give you an idea of your monthly payments.
It's also worth having your up-to-date credit report before making a mortgage application.
You can get your check my file credit report by clicking the button below
Try it FREE for 30 days, then £14.99 a month - cancel online anytime
The House Buying Process
1. First conversation with advisor
When you phone us, you can either arrange a phone appointment with your adviser or a face-to-face meeting – whatever suits you. Your adviser will ask you some questions then go away and find you the best deal for your circumstances and future needs. They’ll organise a follow up during which they’ll present you with what they’ve found.
2. Decision in principle
Once you’re happy with your adviser's recommendation, they’ll go about securing your DIP (Decision in Principle) - which is basically a promise from the lender that they’ll loan you money on the condition that the information you’ve provided is correct and subject to a valuation of the property.
3. Offer on property
After you’ve secured a DIP (Decision in Principle), you’ll be in a great position to make an offer on a property. Sellers like DIPs. They show you can afford the purchase. What’s more, the fact that you’ve already started preparing for the transaction highlights to them that you’re serious in your intention to buy.
4. Pre-Application and Submission
Following the acceptance of your offer, we’ll send you some information which explains all the documents we need to submit to the lender. You’ll be assigned a client relationship manager who’ll check and submit certified copies of your documents; they’ll liaise with both you and the lender. Your adviser will then submit the fully packaged mortgage application.
5. Lender Underwriting & Valuation
The lender will underwrite your application; this basically means they’ll verify that the information you’ve provided is correct and review all your documents for themselves. They’ll also instruct a valuation for their purposes on the property you want to buy to make sure there are no significant problems with it.
6. Mortgage Offer
If the lender is happy with everything they’ve found, they’ll send you a mortgage offer. They’ll also send us a copy.
7. Conveyancing
After you’ve accepted your mortgage offer, you’ll go through the legal part of the process, known as conveyancing. This is where the solicitors/conveyancers draw up contracts and organise the actual, legal purchase of the property. You’ll also need to arrange buildings insurance at this stage, making sure it’s in place from exchange.
8. Exchange & Completion
Once everything is in place, your conveyancer/solicitor will exchange contracts with the seller’s conveyancer/solicitor. It’s at this point that you put down your deposit and are legally bound to buy the property. You’ll lose your deposit if you pull out after exchange. The purchase completes when money is transferred on an agreed-upon date. This is when you get the keys to your new home.
Guiding buyers through the process
Request a call
If you're thinking about purchasing or remortgaging a property and would like a member of our team to get in touch, please simply click the button below.
We'll help you arrange a date and time for a totally
no-obligation consultation call to answer any questions you might have.