Clear advice from start to finish
How the mortgage advice process works
You will know what is happening, what is needed from you and what the next step will be throughout your mortgage journey.
The process
Support at every stage
Mortgage applications can involve several organisations, documents and deadlines. Joanne will guide you through each stage and take ownership of your case from the initial conversation through to completion.
- 01
Initial conversation
Joanne will discuss what you are hoping to achieve and explain how the mortgage advice process works. Your initial consultation is without obligation.
- 02
Getting to know you
If you decide to continue, Joanne will take time to understand your circumstances, income, commitments, preferences and longer-term plans. She will also explain which documents may be needed.
- 03
Researching your options
Joanne will research suitable mortgage products from the range of lenders and products available to us, taking into account your individual circumstances, requirements and the lending criteria available at the time.
- 04
Making a recommendation
Your recommended mortgage will be explained clearly, including the interest rate, monthly payments, fees, key features and any important considerations.
- 05
Submitting your application
Once you are comfortable proceeding, Joanne will prepare and submit the mortgage application and supporting documents.
- 06
Managing your case
Joanne will remain your point of contact, communicate with the lender and help manage any questions or additional information requests.
- 07
Offer, completion and beyond
When the mortgage offer is issued, Joanne will explain the next steps and continue supporting you through to completion.
Fees
Clear fees before you proceed
Our advice fees depend on the service you need and the work involved. Joanne will confirm your fee, what it covers and when it is payable before you decide whether to proceed.
You will have the opportunity to ask questions so that you understand the service and its cost before making a decision.
Fee breakdown by service
These are our standard maximum fees. The fee for your case will be confirmed before you proceed.
| Service | Maximum fee |
|---|---|
| Residential purchase or remortgage | £495 |
| Residential product transfer | £195 |
| Complex or specialist residential mortgage | £795 |
| Non-regulated buy-to-let purchase or remortgage | £595 |
| Non-regulated buy-to-let product transfer | £295 |
Payment and refunds. The fees listed above are payable on application. Once a fee has become payable and has been paid, it is non-refundable.
Reductions and waivers. A fee may be reduced or waived where appropriate to the work involved and your individual circumstances. Any reduction or waiver will be agreed and recorded before the fee becomes payable.
Questions about the process
Frequently asked questions
Am I committed to proceeding after the initial consultation?
No. Your initial consultation is without obligation and you can decide whether to proceed afterwards.
When would the mortgage advice fee be payable?
For the services listed above, the advice fee is payable on application. Joanne will confirm the amount and payment point before you proceed.
What does the mortgage advice fee cover?
The fee covers mortgage advice, lender sourcing, preparing and submitting the application and managing the mortgage case through to completion.
Why might a higher fee apply?
Some cases require more detailed research, affordability analysis or specialist lender assessment. This may include adverse credit or complex income where additional work is needed. The fee reflects the service and work required. Joanne will explain whether the higher fee applies before you proceed.
Is the mortgage advice fee refundable?
Once a fee has become payable and has been paid, it is non-refundable. Joanne will explain the fee and refund terms before you decide whether to proceed.
Will I know what documents are required?
Yes. Joanne will explain what is needed based on your circumstances and help you prepare for the application.
Will Joanne remain involved after the application?
Yes. Joanne will remain your point of contact and help manage the case with the lender through to the mortgage offer and completion.
Start with a conversation
Ready to discuss your mortgage plans?
Contact Joanne for a no-obligation consultation.