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Mortgage Advice

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Arranging a mortgage can be complex and you could end up paying more than you need to. 
It’s for this very reason that impartial advice is critical from qualified advisers.

Providing independent mortgage advice.

Buying a property can be the biggest decision made in our lives. so it is important that you receive impartial advice from a competent and qualified adviser. True Cost Mortgages have specialist advisers for all the main types of mortgages from First Time Buyers, Moving home or buying an investment property.

Our team is waiting to assist you get the most appropriate mortgage for your circumstances. We treat all our clients as individuals as your circumstances will be different to our next client.

How Long will it take to get the mortgage agreed?

Application to Mortgage Offer times vary dependent on how busy the lender is and the complexity of the deal, but as a rough guide at least 2 to 3 weeks should be allowed. Dependent on the work required by the solicitor after this point a whole transaction from beginning to end averages around 4 to 6 weeks.

The more efficiently presented a mortgage application is, with the full documents required prepared in advance, the quicker this process can be. It is not uncommon nowadays for applications to move to offer within 7 days, especially with the help of an efficient Mortgage Broker. Some lenders do move slower than others, especially if they have the very lowest rates and are busy.

Timings should be taken into account when deciding on which lender to proceed with. Sometimes taking a slightly higher rate to meet the required deadlines will make all the difference in securing your dream home.

What documents will I need to provide to the lender?

Preparing for a mortgage starts early so make sure your documentation is in order. Lenders usually request detail of last three years address history, (no gaps), your last three months payslips and last P60 or three years accounts, your last three months bank statements and full details of any loans or credit cards you have. Providing this information on day one can speed up the process no end.

All lenders want to make sure they are lending money to someone who is highly likely to pay it back. You can check your credit record on-line, some companies will offer you a check for free or a free trial of their services. Simple things like paying all your credit cards on time and making sure you are on the voters roll at your current address will help. If in doubt call us and we can offer a credit report review service.

Start your mortgage journey by contacting us.

Contact Us For Full Details
  • 0800 035 2989
  • info@truecostmortgages.co.uk
  • True Cost Mortgages, 3rd Floor, 1 Mann Island, Liverpool, L3 1BP
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The business advice centre limited T/A True cost mortgages is an appointed representative of Julian Harris Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority. We are Registered in England and Wales. Registered Address Suite 4, 48 Westgate, Skelmersdale WN8 8AZ. Registered Company No 7931506. We are an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Limited FCA Register number is 304155.

We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to proceed with an application. Our professional fee charged is £349 which is payable upon receipt of your mortgage offer. We will also be paid commission from the lender.

For Lifetime Mortgages our professional fee charged is £995 which is payable when your mortgage completes. We will also be paid commission from the lender.

Please Note think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.

‘The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.’

Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

Check My File is an affiliated link and therefore it helps us offer our Credit Report Review Service free of charge. If you go through the link, it can result in a payment or benefit to the site.

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