After an offer is accepted on a property, you will need to complete a full mortgage application. This can be done by talking to one of our mortgage advisers.
Covering the whole market, our advisers work for you independently and have access to a wide panel of lenders. They will ask you about your needs and circumstances and then recommend the most suitable mortgage for you.
An appointment can be booked by contacting our team on 029 2009 9003, by online chat or by booking directly online.
When ready to start your full mortgage application, you can arrange to speak to one of our advisers who can help guide you through the process. Unlike high street banks, there are no face-to-face meetings and no waiting times, making the process of buying a property a much smoother process.
In preparation of your mortgage meeting, there are some documents that your adviser will need to see including payslips, bank statements and proof of your identity. Details of the property being purchased will also be required.
Both during and after your meeting, your adviser will:
Complete background checks with a leading Credit Reference Agency.
Discuss available valuation schemes.
Review your income and regular financial commitments.
Review the needs and circumstances and recommend the most suitable mortgage based on these.
Give you an illustration, which sets out the terms of the mortgage product and the total cost of the loan.
In Scotland sellers must provide a Home Buyers report which includes survey, Energy Performance Certificate (EPC) and Property Questionnaire.