1) We put you in touch with an FCA Independent Mortgage Adviser. They carry out a credit history check on you. If you get the green light then you can proceed to step 2. If you get a red light then the adviser will formulate with you a strategy that allows you to progress to the lending stage.2) The Adviser will stress test your financials by carrying out a Mortgage Market Review ( MMR).The purpose is simple. To get a clear understanding of your affordability. What size of borrowings can you comfortably manage bearing in mind that interest rates can go up.3) A lender if happy will provide a Mortgage in Principle. A certifcate that tells you and others what size of loan you can comfortably afford.
Exciting Times - Move With
MMR - MORTGAGES
Once you have your Mortgage in Principle you can search for your property. We look forward to hearing from you.
When you find your ideal property on the market, and your offer (Subject to Survey) has been accepted, then consider what you need to do to take the stress out of your property buying process.Your lender will require a Valuation. You will need to have a Survey.Be ready to discuss your results with your Mortgage Adviser.It could be an opportunity for you to offer a lower price for your chosen property.OrYou may walk away and start the process again.
Your Mortgage Fees Include
1) Credit Check2) Abortive Transaction Insurance3) An MMR review together with a whole of market search for the best deal that meets your borrowing needs.
MORTGAGE MARKET REVIEW (MMR)The purpose of the review is to focus on affordability and responsible lending
We are happy to receive calls on the number below0345 463 7664
You need from your Adviser
A personal approachAccess to on going financial advice Honest and proactive adviceTelephone calls, emails returned promptlyPractical solutions that work for youA focus on results
This MMR-MORTGAGES websiteManaged by We Help You Too Ltd.Puts you in touch with FCA approvedIndependent Mortgage Brokers.
Mortgage Advisers get asked the
following questions by their Clients.
How much am I going to be able to borrow?How much deposit will I have to put down?What documents do I need to provide?What is the mortgage process?What insurances will I need to have?When will I know that I have a mortgage?
An Independent Mortgage Adviser
provides the answers.
It is your responsibility to understand that your home may be repossessed if you fail to keep up your mortgage repayments