UK and Overseas Mortgages

Learn about the mortgage application process...

Shortly after you have submitted a mortgage or Term Assurance application you will be sent a letter acknowledging the submission of your application details.

At the same time your application will be allocated to your personal Customer Service Adviser who will be "coordinating" the rest of your application. You will be forwarded an introduction package, which will include You and Your Mortgage Leaflet and / or Key features in relation to any Term Assurance Product, plus any extra information and declarations that the lender and / or provider will require.

In respect of a mortgage application, your application will be forwarded to your chosen lender for an agreement in principle. Once an agreement in principle has been received, the costs of the valuation and the booking fee of the mortgage product you have chosen will be, in most cases at this point, non-refundable.

You will be kept up to date on the progress of your application via our mortgage team. Once the Lender is satisfied all requirements of your application have been fulfilled, your mortgage offer will be sent to you and you're appointed solicitor by post. In respect of a Term Assurance proposal, your proposal will be forwarded to the provider for underwriting.

You will be kept up to date on the progress of your proposal via e-mail or letter as and when necessary.