The Process
From first call to completion, here’s how it works
Appointments are typically by phone, video call. In person meetings are available on request, I can travel within North Devon and West Somerset. I work around your schedule, evenings and weekends can be arranged if that works better for you.
Mortgages & Remortgages
01 - First Call
This is just a conversation. Tell me where you are, what you're looking to do, and I'll let you know whether I can help and how. No forms to fill in, no commitment required. Most first calls are around 15 minutes. You can book one online or just call me directly.p
02 - Fact Find
Once you're happy to proceed, we'll go through your circumstances in detail. Income, outgoings, the property, your goals. This is where I get everything I need to find the right solution for you. It's thorough but straightforward, done by phone or video at a time that suits you.
04 - Application
Once you're happy with the recommendation, I submit the application on your behalf and manage it through to offer. I deal with the lender directly, chase for updates, and keep you informed at every stage. You won't be left wondering what's happening.
03 - Research & Recommendation
I search the whole market across 90+ lenders to find the most suitable mortgage for your situation. Not just the cheapest rate, but the right lender for your circumstances. I'll present my recommendation clearly, explain my reasoning, and answer any questions before we go any further.
05 - Completion
Your mortgage offer is issued and we move toward completion. I stay involved right through to the end, liaising with solicitors and agents where needed. When the keys are in your hand, the job is done.
