Moving home can be one of the most stressful things you ever do but this can be equally complicated when you need to tick all the boxes that are required these days to obtain the mortgage you need to buy the new home. 

Firstly it can be difficult on knowing where to start. How much deposit do you need? What documents are required? Is your credit score high enough? What are the costs of moving?

The answers to these questions all depend on your circumstance and requirements so just like a Rubik’s cube isn’t as simple as one turn of the cube or one answer fits all, it’s all completely specific to your situation.

This is where your experienced mortgage broker who has access to over 80+ lenders will advise you on your options and guide you through the whole house buying process from beginning to end to ensure you end up with the home you want with the best mortgage and the lowest payments possible.

Your mortgage broker will guide you through your options, from what documents you need, to your different mortgage from other 80+ lenders available, to the deposit required to helping you obtain your Mortgage Certificate so you can start to make an offer on the new home you wish to move to. 

Our mortgage brokers will guide you through the process to ensure you’re fully informed and aware of your options and work with you until it’s all completed and you’re in your new home.😃🏠

We take the stress out of finding a mortgage that is just right for you and helping you buy your new home. 

We will present you with a Mortgage Certificate 📝 confirming that we’ve reviewed your situation in full so you can present this to the estate agents to confirm you’re mortgage ready and can start offering on the home you want to buy 😃

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.

✅ 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