How We Help

How we help you get the right mortgage for your new home.

Book a convenient time for us to call you…

The first step is to have an informal chat with one of our team so we can obtain some basic details about you and the property you are going to buy. This will be done either on the phone or online and on average might take 20 minutes. We can give you an indication of how much you might be able to borrow and how much the payments will be. We’ll then request you upload the required mandatory documents to our client portal needed to get you an accurate decision to lend.

Upload your Documents…

The next step would be for us to complete a more detailed questionnaire. This is essential so that we obtain more information about you, including your income and expenditure details so that you receive accurate advice. This can be done over the telephone and online with your advisor. We will then be able to make a formal recommendation and provide you with a full detailed illustration about your mortgage, which we will explain to you in great detail so you can be happy that you’re getting the right mortgage.

Accurate Decision to Lend…

With your permission, we will then obtain an Accurate Decision to Lend. This is better than a normal agreement in principle as we will have all the right information at the beginning. We do this so you have complete peace of mind when you find the property you want or put on an offer, both your Mortgage Advisor and Mortgage Lender will be 100% behind you.

SALE AGREED…

When you have agreed the purchase price with the Person/Builder selling your new home, we’ll take over and submit the mortgage application and liaise with the Lender, Estate Agent/Builder and Solicitors so you can relax.

Mortgage Offered!…

Great news, the Lender has carried out all their checks and the survey of the property, and is ready to give you the money to buy your home. At this stage we will be in touch to explain the mortgage offer. It is also our responsibility to make sure that the mortgage is paid on time, so we will make recommendations if they are deemed necessary.

Get the keys and move in!…

This is the best part. We will make sure that everything is set up so you can collect the keys and start your new chapter in your new home.

Find the mortgage that’s right for you with Chetwood Lloyd