Your journey with us
From initial enquiry to completion — and beyond. We follow a clear, structured process so you always know exactly what happens next, and who's doing what.
Getting started
Initial discussion
We take the time to understand your circumstances and objectives, establishing the parameters of your enquiry.
Your questionnaire & documents
Your actionYou complete your Client Questionnaire and provide all relevant supporting documents for us to review.
Research & assessment
Document review & affordability assessment
We review your questionnaire and supporting documents, check lending criteria and complete full affordability calculations.
Whole-of-market research
We research the whole of the market using Mortgage Source to identify the most suitable products for your circumstances.
Decision in Principle (DIP)
A DIP is completed with the lender, providing a lending decision in principle ahead of a full application.
Our recommendation
Recommendation & Mortgage Illustration
We present our recommendation and issue your Mortgage Illustration, setting out the full details of the proposed mortgage.
Accept the recommendation
Your actionYou confirm you are happy to proceed with our recommendation and instruct us to submit a full application.
Application stage
Full application submitted
We complete and submit your full mortgage application to the lender, securing your agreed rate. We will also contact you at this stage to discuss your protection requirements.
Underwriting & valuation
The lender assesses your application and arranges a valuation of the property. You may be asked to provide additional documents during this process.
Offer & completion
Mortgage Offer issued
The lender issues your formal Mortgage Offer. We review it in full and issue our Post-Offer letter to you.
Completion
Your actionYou liaise with your solicitor to ensure that completion takes place before the Mortgage Offer expiry date.
Ongoing support
Protection review
We contact you to discuss your protection requirements, ensuring your mortgage and lifestyle are suitably covered.
Ongoing mortgage review
We contact you approximately four months before your scheme expiry date to offer a full review and discuss your options.
Ready to start your journey?
The first step is a simple, no-obligation conversation. Get in touch and we'll take it from there.