Preparation is essential when meeting with a mortgage adviser. They will start by discussing your needs and completing a fact-find to record your circumstances in detail. After that, they will discuss what’s available in the market that best suits your needs.

Once a recommendation is made and you are happy with it, the adviser will proceed to complete the application based on the information you provide.

Attention to detail is crucial when dealing with mortgages.

It’s very important to ensure that everything is accurate. Double-check all the details, such as your exact income, full name (including middle name), and your 3-year address history, including postcodes, especially if you’ve moved frequently. Check your credit file beforehand through one of the main credit reference agencies to avoid any hidden surprises. Many of them offer a free 30-day trial, but remember to cancel to avoid charges. There are links on our website to help you check your credit file.

Even if you think something is not important, don’t hide it from your broker. Lenders have advanced systems to verify data, and leaving something out could cause a decline. Let your broker know, and they can decide if it’s relevant and, if necessary, go to a more suitable lender.

After submitting your mortgage application, the lender will review your documents and conduct a property valuation. Their final decision on whether to approve your loan will depend on this review and the valuation results.

A properly advised and prepared application will always have a better chance of succeeding.

We have been in the mortgage and property business for over 32 years , we know about mortgages. Trusted by generations of home buyers, you can be rest assured you are in safe hands.  Our advisers are fully qualified and regulated by the Financial Conduct Authority.  CeMAP certified mortgage advisers and Financial Planning certificated.