When To Contact A Mortgage Adviser

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The best time to get in touch with a mortgage adviser

The Best Time to Consult a Mortgage Adviser

The most advantageous time to engage a mortgage adviser is at the earliest stages of your home-buying or remortgage journey. This early interaction allows the mortgage adviser to evaluate your financial status and identify the most suitable mortgage options tailored to your needs. Notably, a mortgage adviser plays a pivotal role in securing mortgage approval, guiding you through the application process.

For remortgages, you can contact us 6-7 months before your current deal ends.

Reasons to Reach Out to a Mortgage Adviser

  1. Securing Mortgage Approval: A mortgage adviser specialises in helping you obtain mortgage approval.
  2. Understanding Mortgage Options: Mortgages come in a myriad of types, each with unique terms and conditions known as ‘mortgage lending criteria’. A mortgage adviser serves as your guide, clarifying these options and helping you select the one that aligns with your goals.
  3. Securing the Best Interest Rate: Mortgage rates can fluctuate based on factors such as your credit score and deposit amount. A mortgage adviser takes the initiative to survey the market and identify the most favourable interest rates available.
  4. Assistance with the Application Process: The mortgage application process can be intricate and time-consuming. Here, a mortgage adviser steps in to streamline the process, assisting you in gathering the necessary documentation and ensuring timely submission. 

If you’re contemplating the purchase of a home, it is essential to reach out to a mortgage adviser at the earliest opportunity. We will provide insights into the diverse mortgage options, search for favourable interest rates and calculate your borrowing capacity.

Items to Prepare for Your Meeting with a Mortgage Adviser:

  • Income and Employment Details: Including your salary, any bonuses or commissions, and employment history for the past 1-3 years.
  • Assets and Liabilities: Covering your savings, investments, and existing debts.
  • Credit Report: To provide a comprehensive view of your credit history and credit score (may not always be required).
  • Property Information:  The purchase price, deposit amount and loan term for the property.

By presenting this information, you’ll facilitate a productive discussion with your mortgage adviser and receive the most informed guidance possible.

Your home may be repossessed if you do not keep up repayments on your mortgage. We offer a comprehensive range of first charge mortgages from across the market that are made available to mortgage intermediaries for which we are paid a procuration fee by the lender.

Stewart Douglas is a mortgage broker based at Constantia Wealth and Finance which is a Partner Practice of St. James's Place Wealth Management PLC. Stewart assists a diverse range of mortgage clients including home movers, first time buyers and landlords.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Getting your mortgage application approved

First time buyer mortgages available with a 5% deposit. (Sometimes there are 100% mortgages available too, please contact us to find out more) Subject to availability and individual circumstances

We handle the entire mortgage application process, including its submission to the mortgage lender and all associated mortgage paperwork, as well as managing follow-ups with the mortgage provider, all of which translates to time, stress, and hassle-free savings for you

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