Whole Of Market Mortgage Advice from Truro , Cornwall — Call us on 01872 250190Book a Free appointment
Well firstly we will be able to talk you through the process so that you understand the sequence of events than enable you to purchase a house .
We will answer any general queries to start off with
We will let you know how much you are able to borrow and discuss deposit requirements with you. After which we will do a search across the whole of the mortgage mortgage market to make sure you get the best deal for your requirements
Once we have found you a suitable mortgage we would do an Agreement In Principal with the mortgage lender and then manage the application through to mortgage offer. You would have a dedicated contact that is easily contactable who will manage the whole process so you do not need to correspond with anyone else.
We make the process user friendly and are the polar opposite to a faceless call centre or a computer algo-rhythem , we are real highly qualified, friendly people who are here to help.
The minimum deposit required would be 5%. The more deposit that you have the cheaper the rate would be and the less you would have to borrow.
There are other costs associated with a mortgage purchase such as stamp duty and solicitor costs. We can provide you quotes for these.
We are whole of market advisors so we look at all lenders. Different lenders will allow you to borrow different amounts which depends on their criteria. Our experts can really add value to ensure that we apply to the most suitable lender. They will go through your income and expenditure and will assess your type of employment and will recommend the most suitable first time buyer mortgage.
We are not a call centre, we are all qualified and are very experienced in guiding first time buyers through the process. Not only are we whole of market but we are also generally alot quicker and easier to contact than using a bank. We have access to all the lenders so as a first time buyer we can ensure you that you will get the best deal for your circumstances. As you can see from our reviews we provide a professional , humane and simplified process. We are all normal people who are here to help you with our knowledge and expertise.
If you have had issues with your credit in the past then we would need to look at your credit report. We recommend getting a copy of your credit report from here.
Once we have reviewed your credit report we will be able to advise and recommend a suitable lender. We have access to all the lenders which include lenders that specialise in adverse credit mortgages. We also use technology that enables us to find you the most competitive lender considering your credit score.
If there is a mortgage that is available for your circumstances then our advisors will be able to find it and will discuss it with you.
Yes, once we have found you a suitable lender then we are able to provide you with an agreement in principal. An Agreement In Principal is when a specific lender does a credit check against you and reviews your initial details, it will state the lender is provisionally happy to lend you the amount of money requested.
Once you have an Agreement In Principal you can be confident that you can get a mortgage and put an offer in on a property. Alot of estate Agents since Covid are asking for an Agreement In Principal before allowing you to view a a house
Super helpful and friendly with offering mortgage advice and I really felt he understood our situation. Everything was very smooth and efficient. I also really appreciated being able to speak to him in the evenings rather than only be available in office hours. Would use again and highly recommend.
Gave fantastic service and found not only a great mortgage deal, solicitor and life insurance policy for us but was always on hand to support throughout our house sale and purchase. T horoughly recommend his service 5 stars will definitely use again.
Was incredible and found us the best deal out there! Wouldnt hesitate to recommend to anyone
Meeting Ryan has been a breath of fresh air and such a simple process. We had complicated circumstances with being self employed amongst a few other things but within a couple of weeks we had a suitable mortgage offer and the week after the application was in process. Ryan has been incredibly efficient in every way and i can't thank him enough.
I received a top notch service from these guys. Ryan was relaxed but on the ball with everything and was able to assist me throughout the process. He was approachable by email and phone, the communications were really very good
Helped us out so much in finding the right mortgage for us and navigated us through the whole process easily and smoothly in what wasn't a straight forward mortgage situation. Super friendly, easy to get on with and above all, knowledgable