Our Service

All you need to know about working with us

How it works

Step 1 : A Quick Chat

First of all, you'll need to have a quick chat with one of our advisers to talk about your situation and what you're looking for. This is usually done by phone and should take about 15 minutes, you can arrange your call here.

The idea here is to get a broad overview of your circumstances and give you an idea of whether or not you might be able to achieve what you're looking for, your adviser can also tell you at this point whether they will have to charge a fee based on the work involved in getting you a mortgage.

Step 2 : Factfinding

At the end of your first call, your adviser will arrange your factfind appointment, this will be a longer meeting, usually about an hour, gathering more detailed information about your situation.

This can be done by phone, video call or an in-person meeting, whatever suits you. We can also offer you the chance to provide this information online without the need for a longer meeting.

Step 3 : Mortgage in Principle

After your adviser has a completed factfind and a clear idea of your needs and objectives, they'll go away to find you the best and most appropriate deal on the market.

Once you're happy with your advisers recommendation, they’ll go about securing your Mortgage in Principle, also known as a Decision in Principle or Agreement in Principle, which is basically a promise from the lender that they’ll lend you money based on the information provided to them and subject to a suitable valuation of your property.

If you're buying a home, you can use your Mortgage in Principle to show estate agents you're a serious buyer and start making offers on properties.

Step 4 : Mortgage Application

When you're ready to apply for a mortgage, your adviser will collect documents from you and begin to package your application.

Once we have everything we need from you, we'll submit your full mortgage application and let you know when we can expect to hear back from the lender with an update.

Step 5 : Underwriting & Mortgage Offer

While the lender has your application, they may ask for more information or additional documents, we will liaise with them and ensure you are kept up to date with any developments.

The lender will assess your application and make additional checks like valuing your property before they issue your mortgage offer. We will work to make this process as smooth and timely as possible.

Step 6 : Conveyancing

Once you've accepted your mortgage offer, your solicitor will begin working through the legal process for your mortgage, they run a number of checks and searches to make sure the property is suitable and start drawing up the necessary contracts.

If you're buying a home, your conveyancer/solicitor will exchange contracts with the seller’s conveyancer/solicitor. you’ll also need to arrange buildings insurance, it’s required by your mortgage lender to have some in place from Exchange of Contracts, your Mortgage Advisor can help you with this.

The legal process can be confusing and may seem daunting, we'll be on hand to support you, answering questions and liaising with your solicitor where necessary.

Step 7 : Completion

Completion is the time where your mortgage funds are transferred to your solicitor in order to complete the purchase of your new property or to repay an existing mortgage. If you're purchasing a property, you'll be given the keys to your new home!

As your Mortgage Advisor, we want to make sure your mortgage is always taken care of, so you can focus on enjoying homeownership, we'll be in touch with you to review your mortgage at an appropriate time when a better deal might be available.

Why use a broker

We use industry-leading software and a wealth of experience to make sure you're getting the very best deal on the market, and that everything about what you're trying to do fits the recommended lender's criteria set.

Not only that, we are here to make sure you are comfortable and understand exactly what every aspect of your mortgage loan means to you, we can guide you through the process with as much or as little help as you need, we're always on hand to answer your questions and provide expert support.

We take on the paperwork and application process for you, keeping you informed while relieving you of stressful legwork, so you can focus on tying together the other aspects of your house purchase or remortgage.

Our fees

We get paid by the mortgage lender after your mortgage completes, this is usually a very small percentage of the loan you take out. Most of the time, we don't charge our clients any fees for our service.

It is sometimes necessary to charge a fee in order to justify providing our service. This decision is taken by your adviser based on their costs and your specific case, in line with our fair value policy.

Your adviser will be able tell you after your first conversation whether a fee will be due, exactly how much that fee would be and when it would become payable. You can then choose whether or not to use our service.

To give you an idea: in 2021, only 1 in every 10 clients who completed mortgages with us paid a fee, and the average (mean) fee charged was £361.12.

Who we can help

Non-standard Cases

We help plenty of people who don't quite fit the boxes above, get in touch to find out what we can do for you.

What Our Clients Say

Where we work

We offer our clients the choice between a fully remote service and an in-person service.

If you're looking for a remote service, using phone calls, emails and video calls, we can help you wherever you are in the UK.

If you're looking for face-to-face meetings with an adviser, we have people available in the following areas:

Taunton (Head Office)
Trowbridge and Bath

If you're looking for an in-person appointment and are nearby the above places, get in touch and we'll see what we can do for you.