Get your Mortgage Certificate today

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Would you like a way of confirming to an estate agent that you’re good to go on your offer that you make and that your finances are all in order without having to go through the task of having multiple credit checks every time you show any interest in a particular property.

When it comes to buying your first or next home the first thing you should do is ensure you have your finances in order so nothing comes up last minute that could stop you from buying the home you want.  

Estate agents (who represent the seller remember) will want to know you’re actually able to achieve the offer price that you make and will therefore typically ask to see either an Agreement in Principle or will ask you to speak to their own in house mortgage advisor.

Based on 14 reviews.
Rebecca surin
Rebecca surin
2022-03-24
Working with Paul has been an absolute pleasure. He is extremely knowledgeable, conscientious, and responsive. I don't think I would be in the position I am (buying my first flat!) if it wasn't for his help and guidance. Highly recommended.
Elvis
Elvis
2022-03-22
Paul was professional and efficient. Clearly very experienced and understands the nuances of the mortgage world. Very happy with the service provided and would certainly recommend.
olivia davis
olivia davis
2022-03-20
We are first time buyers and have Paul walking us through this process and we couldn't have asked for anyone better! He has been very friendly and approachable throughout and keeps in contact often to make sure everything goes as smoothly as possible and to answer any question we have. Highly recommended this company to anyone moving !
Dominic Lake
Dominic Lake
2022-03-20
My partner and I are first time buyers so we knew absolutely nothing about houses and how to get one. Paul has been our mortgage advisor and has been extremely insightful and helpful throughout the process and I couldn’t recommend him more.
Darryl Worbey
Darryl Worbey
2022-02-24
Would highly recommend Paul to anyone, he went the extra mile for me. If I went to the lenders direct I wouldn’t have got my mortgage due to my situation but Paul with his contacts allowed us to get my mortgage. He also treated my money as it was his own which is what you want when buying a house. Thank you again Paul
Kelsey Downey
Kelsey Downey
2022-02-24
Josh Benfield
Josh Benfield
2022-02-14
Paul worked with us on our first property and I don't think we could have asked for a more conscientious and supportive advisor. We had a couple of issues with parts of the process and Paul was there each step of the way to guide us and step in to ensure that things worked out. Each communication we had was thoroughly carried out and we felt clued in throughout. Would highly recommend to anyone!
Kate S
Kate S
2021-12-22
Paul Tait has been a fountain of valuable advice and knowledge throughout our mortgage process. He is friendly, professional, highly intelligent and has taken all the hassle out of what could be a very stressful experience. We wouldn’t hesitate to recommend Paul and we will definitely call on him in the future.
Florian
Florian
2021-10-25
Very pleased with Your Property Financial Services - professional and efficient service throughout the entire process.
L Ek
L Ek
2021-10-17

Complete your details below and we’ll be in touch to help you with your enquiry 

Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Looking to a buy home? You need Morgage Certificate!

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The agreement in principle is a credit check and can show on your credit report. Multiple checks before you need to proceed with your mortgage application can come back to bite you as other/future mortgage lenders will see all these checks.

They will start to wonder why, as it can be perceived that the other lenders are turning you down, as a declined credit score doesn’t show on their system checks just that you had a credit check with another lender. It’s also too early to know which lender you may proceed with as rates change daily and only until the day you submit your mortgage application do you know the lender you’re going to go ahead with. 

When it’s a right time to have an agreement principle/credit checks your mortgage broker will make you aware.

The estate agent will often say you can’t make an offer or even view the property unless they’re confident you can get the mortgage, so you can feel forced into revealing how much you can borrow and afford and this is never a good thing in a negotiation.

Complete your details below and we’ll be in touch to help you with your enquiry 

Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

The solution to this is to have your very own Mortgage Certificate 

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Our Mortgage Certificate includes all the initial checks that are needed to confirm in principle if you’re eligible for the mortgage you want and will also provide clarity to the estate agents that you’ve got your finances in order. 

Firstly one of our mortgage brokers will complete an initial review for you which will include assessing some of your documents. This is very important as mortgage lenders are very particular on what they want to see and are looking for and your mortgage broker will be able to check your documents in detail. 

With this completed your mortgage broker will be able to provide you with a Mortgage Certificate that confirms to the estate agents, that we’ve reviewed the following documents:

  • Proof of identity 
  • Proof of address
  • Latest 3 months bank statements
  • Proof of income
  • Credit score

With those checked we can then issue you a mortgage certificate which won’t include any of your personal details, doesn’t involve a credit score as we review a copy of your credit report instead which puts the estate agents mind at rest (and yours) that you’re in a proceedable position to purchase the home you wish to make an offer on. 

Any decision to lend is always subject to full lender application, credit searches, criteria checks and a satisfactory valuation.

Complete your details below and we’ll be in touch to help you with your enquiry 

Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Your broker here to help

Often the lenders will make assumptions or even worse let the computer make the decision on whether to lend to you. This is where we step in and help advise and arrange to ensure you get the correct mortgage and consideration by the lender at the application stage and we present your application in the best possible light; therefore increasing your chances of acceptance at first application. 

Our team of mortgage brokers are here and ready to assist you and we can speak at a time convenient for you and even over a video call if you prefer a face-to-face conversation with your advisor.

Why choose us

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✅ Access to over 80 lenders so you will get the best rates available with many of these lenders not available on the high street which are exclusive to brokers

✅ Experienced advisors, so you’re in the safe hands of our advisors who will be able to assist whatever your circumstance

✅ Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward

✅ We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you