The mortgage process can be complicated, this page has been designed to give you a go-to page to see exactly where you are in that process. We are always on hand to advise you and answer any questions you may have.

1. Initial call/meeting

When a client initially wants to carry out a certain transaction, such as buying their first home, remortgaging, or taking out insurance, the mortgage process will usually start with an initial call/meeting. This is when we will arrange a time to discuss exactly what your plans are and give you an idea of how we could potentially help. We will be on hand to answer any questions you have during this period and could set up a plan to support you meeting your goals.

2. Registering for our client portal

After the initial call, we will provide an idea of how we can help and send you the link to the client portal. This portal doesn’t have to be used, but it does make the mortgage journey far smoother. Once you are registered, you will need to complete the questionnaire on the main page. Once the form is complete, we can upload any documents required and the terms of business. Register here.

3. First meeting

During the first official meeting, we will run through the terms of business, which is a key document that outlines important information about the services we offer and how we can act for you. We will then look over the questionnaire you would have completed to make sure we have all the required information and that it is up-to-date. We will finally end the meeting by finding out what you want/need from your mortgage, so we can go away and make you a recommendation tailored to your circumstances.

4. Second meeting

This meeting, we will double-check that there have been no changes to your circumstances and cover the recommendations for any mortgages and protection. In some cases, the mortgage and protection could be covered in two separate meetings. We will present our recommendation explaining the key features and why we have recommended the mortgage/protection solutions. If we have your approval, we will then move onto point 5.

5. Application submission/Managing the application

Once you have given us permission to process any applications and we have all the required documents, we will proceed with submitting your application’s. Once an application has been submitted to a lender or insurer, the underwriting process will start, and we will liaise with you and the lender or insurer until it is accepted. The lender/insurer may ask for additional documents or information, and on a mortgage, a valuation will need to be carried out. Once the application has been accepted, it will be valid for a specific amount of time.

6. Mortgage offer

Once a mortgage application has been accepted you will receive a document call the mortgage offer. This means your mortgage has been accepted and a copy will be sent to you and your chosen conveyancer. The conveyancer (Solicitor) can now start carrying out any legal work required.

7. Exchange of contracts (Purchase only)

This is where contracts have been exchanged between the buyer and seller and deposit has been paid. The transaction is legally binding at this point.

8. Completion

Completion is the date everything goes through and you can finally pick up the keys to your new home and your new mortgage officially starts. In most cases your first payment will be the month after completion.

Documents required

Standard document’s required	Evidence required
Terms of business	This can be completed digitally via email, or a paper copy can be completed. This will be sent out after the initial conversation.
Fact-find questionnaire	This can be completed on the client portal, or it can be completed during interview 1, but it will increase the length of the first meeting.
Proof of ID	We will complete an electronic ID check; if this fails we will require a valid drivers license or passport.
Proof of address	The electronic ID check will carry out address verification; however, we will require an additional form of address, so we will need one of the following: . Utility bill dated in the last 3 months. . Latest council tax bill. . Valid driver’s license if not needed as a proof of identity. . Mortgage statement (Current year) . Credit card statement dated in the last 3 months. . HMRC tax correspondence: Please contact for requirements. . Documents from the benefit agency: Please contact us for requirements.
Bank statement	. Latest 3 full months bank statements for all accounts where income is paid into and regular expenditure goes out.
Employed income	3 months payslips.
Self- employed income (One of the following)	. Latest 3 years business accounts. . Latest 3 years Tax Computations and tax year overviews. Accountant’s reference/certificate directly from the accountant, where acceptable by the lender
Proof of deposit (Purchase only)	Bank statements to evidence you have the deposit and build up of funds. If a gifted deposit we will require a gifted deposit form.