Your journey with us, step by step
No jargon, no surprises. Here's exactly what happens from your first call through to completion — and beyond.
Discovery Call
A quick call or Zoom, whichever suits you, so we can understand your situation and what you're hoping to achieve.
Fact Find
We schedule a focused 45–60 minute Zoom to go through your circumstances in detail and start building your plan. Beforehand, you'll get secure access to our client portal with a simple checklist of documents to upload.
Lender Research
We go away and stress-test your case against the market, then put together illustrations for the right products — ready for your approval.
Agreement in Principle
A credit check with your chosen lender. Most lenders now use a soft-footprint search that won't affect your credit file, though a handful still carry out a hard search — we'll always tell you which applies before going ahead. It usually comes back within 48 hours, and if you're buying, this is what estate agents need to see before they'll accept your offer.
Your next step depends on whether you're buying or remortgaging
Offer Accepted
Once your offer is accepted, we schedule a short call to go through the property details and start planning how to protect your mortgage payments — for example, if you were ever unable to work through illness or worse.
Application Submitted
With your offer accepted and your protection plan taking shape, we submit your full mortgage application. You'll receive an email outlining exactly what happens next, and we'll help with things like surveys and buildings insurance along the way.
Full Application
On acceptance, we move straight to submitting your full application — this is what reserves your rate with the lender, and you'll get an email confirming exactly what happens next.
Protection Review
While your application's progressing, we'll arrange a short Zoom to review your existing protection — or help you set new cover up if you don't have any — so your mortgage payments stay protected whatever life throws at you.
Underwriting & Valuation
The lender's underwriter assesses your case in full and completes their valuation of the property.
Mortgage Offer
Once everything's approved, you'll receive your formal mortgage offer from the lender.
Completion
The big day. Funds complete, keys are released (or your new rate begins) — and your mortgage is officially in place.
We Don't Stop There
Our admin team supports you at every stage along the way. And once you're a client, we'll be back in touch around six months before your deal ends, so you're never left to drift onto your lender's standard variable rate.
Ready for take-off? Let's find your mortgage.
Book a no-obligation 20-minute call and we'll talk through your options — whether you're crew, ground staff, or just looking for a great rate.