10 STEPS to your Mortgage Journey
Talk to the mortgage architect
Nothing beats choice, flexibility and experience.
Our mortgage planners will discuss your options, current mortgage offerings and advise you on everything you will need to know about your mortgage journey.
Next we will complete your application in full and submit it to your chosen mortgage provider.
This is when your excitement will start to build. Once we have your mortgage approval, the search for your new home begins.
When you find your new home, a property valuation needs to be completed.
Appoint A Solicitor
When choosing your solicitor always ask for a recommendation from a family member or friend who has gone through the mortgage process. Your solicitor will look after all the legal work involved in buying your new home.
Letter of Offer
On receipt of the valuation and any pre loan offer conditions, your loan pack will be sent to your solicitor for review.
House Insurance and Life Insurance
Part of getting mortgage approval is to arrange insurance for your new home. You will also need to arrange life insurance.
Exchange of Contract
When you are sale agreed, the sellers solicitor will draw up a contract and exchange this with your solicitor. Your solicitor will review both the contract and the banks loan offer.
Closing the Sale
Once all is in order with the legal documents, you will arrange a closing date for the sale to be completed by.