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Simple steps to securing the best mortgage deal

Step 1 Get in touch

Your initial step is to have a contact and discussion with a trusted and experienced mortgage broker. We will have an informal talk with you. This is typically done via telephone and we examine your mortgage needs, plans and basic insights concerning your finance position. This call will be around 20 minutes and in this time, if required, we may give you an indication of the amount you may be able to borrow, the available mortgage products and the related costs associated.

Step 2 Fact Find, 

At this stage you will receive our company’s introduction pack and GDPR permission document, once we have the required GDPR permission from you as well the client agreement form, we will complete the Mortgage Fact Find Questionnaire. The Fact Find provide us with required information about you, including your pay and expenditure which shapes the foundation of your application and permits us to offer you the best mortgage advice. 

Step 3 Research, Present

The next stage is to provide you the advice; during the conversation, we will discuss your needs and circumstances and provide you with bespoke mortgage advice regarding the different options available to you. We will then search the whole mortgage market and give you with a personal recommendation for the most suitable mortgage for your needs.

Step 4 Decision in Principal

The following stage is to apply for a decision in principal from the lender, which we will sort out on your behalf. In the event that the DIP is successful, and you have a property to purchase or remortgage we at that point prepare and submit your application to the bank. At this point B&D Mortgage Adviser will work closely with the bank to make sure your application is approved. We will be dealing with underwriting enquiries. The lender will evaluate your mortgage application and complete a survey on the property. 

Step 5 Offer

Once the lender is happy with each item, you will receive the offer. B&D Mortgage broker will inform you once offer issued. B&D Mortgage broker will track and manage your case, we will be working with you and your property solicitor until the purchase completion. At this stage just sit back, relax and let us do the work for you. Once the offer is received your finance sorted on your purchase or remortgage.

Step 6 Completion

In case of remortgage, on the day of completion, the mortgage is moved from your current lender to the new lender. In case of buying a home, on the day of completion you collect the keys and start moving in! However, we are not saying goodbye! We would love to stay in touch in the future (with your permission) to assist you with the best mortgage deal when the mortgage deal expires or when you want to buy your next property.

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Legal Information & Disclaimer

This site is an information only site. All of our articles are written by authorised mortgage brokers for the only aim of providing great, useful, mortgage and loan related information. We intent to offer the best possible suggestions and guides however can’t always guarantee to be perfect, please use the information at your own risk. We can’t accept responsibility if things go wrong. Please contact us via our contact page if you see anything that requires changing and we will do so as soon as possible.

The articles on our site do not provide financial advice. Instead, they aim to equip you with the necessary information to attain your mortgage objectives. 

** The content provided in this page is correct at the time of writing. Mortgage and loan lender’s qualifying criteria and rules change frequently so speak to an adviser to confirm the most up to date rules and criteria. The content on the website is not specific advice to each reader, and does not constitute financial recommendations.