Buying your home is likely to be the biggest financial decision you’ll ever make. It’s really important that you get it right. Our mortgage experts can search the market on your behalf and make sure you get the right mortgage for you.

A pre-approval is a conditional approval for a mortgage. It means that the lender has agreed to lend you a certain amount of money, subject to certain conditions, such as you being able to afford the monthly repayments. A mortgage offer is a formal offer of a mortgage, which is typically issued once you have found a property to buy.

The process involves a lot of form filling and lenders need a lot of information to assess your application. Being well prepared is key and having a mortgage adviser managing the process for you is even better.

One of the most difficult aspects of organising a mortgage is sorting through the hundreds of mortgage deals currently available. Different mortgage schemes will often cater for different needs. To establish what is suitable for you it is important to take into account your current circumstances as well as your priorities and long term plans. We recommend booking a free consultation as soon as possible so you know exactly where you stand.

Conveyancing is the process of transferring ownership of a property from one person to another, or moving the mortgage from one lender to another. It is a legal process that involves a lot of paperwork and can be complicated, however this is all done by your solicitor or conveyancer.

Remortgaging is the process of taking out a new mortgage to pay off your old one. Remortgaging has lots of benefits, like saving on your monthly payments or releasing equity from your home.