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.