Apply for a mortgage

Apply for a mortgage

Applying for a mortgage can be daunting, time-consuming and, especially for first-time buyers, often a nerve-wracking venture in to the unknown.

We understand that, which is why we pare down our processes and simplify the task for you. From our expert advisors to our straightforward online application process, when it comes to apply for a mortgage you needn’t cower in worry or clear masses of time in your diary for the task.

We can help you:

  • Understand your financial position, including how much you are likely to be able to borrow.
  • Undertake an initial soft search to avoid negatively impact your credit rating.
  • Assist you with the application process.
  • Offer you the best deals on the market, suitable for your circumstances and budget.

Other ways you can apply for a mortgage:

Apply directly to mortgage lenders

While this is certainly possible there are some potential drawbacks to approaching individual lenders themselves. First, it will take a significant amount of time to approach multiple lenders to ensure you find the best possible deal. Alternatively, should you speak with only one, perhaps two, possible lenders, you risk losing out on the best deals as you’ve not interrogated the market thoroughly.

Apply with traditional mortgage brokers

This will definitely save you time, as brokers can search the market on your behalf and return a number of results, while you only have to deal with one person or organisation. The drawback to traditional lenders is that they will usually apply a fee to this service. If may be this fee is smaller than the amount they save you on monthly or total repayments however, so do bear this in mind.

We act as an online brokerage so offer the same expertise and access to the market, however we don’t add a fee to our services. These are paid for by fees made on the part of the lender.

Apply for a mortgage online, or speak with one of our advisors.