Our mortgage advice service makes decision making easy.  Before you complete a mortgage application we ensure we aim to do the following...

Get to know you

Our experienced advisers will need to find out more about you by completing a fact-find.  This tells us about your current situation i.e. how much you earn, the outstanding debts you may have, the type and cost of the property you would like to buy or possibly remortgage.
After assessing your current situation we will know the best way to proceed and you can then come and see your adviser face to face, or proceed by phone if that is more convenient.

Find the best product

He or she will then explain the different types of mortgage schemes that maybe suitable for your needs - so you can make an informed decision. 
Once we fully understand your personal situation, our experts will search though the mortgage market and find the right one which is suitable for your needs.

Provide the solution

Once we are happy that we have found the right mortgage for your needs, your adviser will arrange a face to face appointment, or by telephone if more convenient, so they can discuss their recommendations.

If you confirm you are happy to go ahead with the recommended mortgage we will run a credit check to confirm your eligibility with the chosen lender.  Should you pass this stage, we will proceed with your full mortgage application as a priority.
Your consultant will help and manage your application all the way to completion - whether it is a purchase or re-mortgage. We do not sub-contract the administration of your application to another company and all work is handled by your personal adviser - who will aim to produce a mortgage offer in the shortest possible time. 
We aim to keep you fully informed every step of the way and these updates include;

• Chasing surveyors to attain an accurate valuation for the property involved
• Liaising with the chosen lender to obtain a firm offer, letting you know if additional information is needed, or if complications arise for any reason
• Talking with your solicitor to keep everything on track
• Maintaining regular contact so you are kept informed
• Making sure your mortgage offer is issued
• Confirming exchange of contract, or completion details
• Keeping an audit trail of all actions and conversations so you are protected

How to use us in 5 easy steps

Face-to-Face

			Complete a fact find in person and we check your documentation to make sure it is in order. We will explain the different types of mortgage schemes, repayment methods, lender’s available, protection options and work out a budget for you. An “agreement in principle” can be provided at no extra cost for those who wishing to establish their borrowing potential, before a property is found. This includes a mortgage certificate being issued as confirmation.
			Find your ideal home, unless you’re remortgaging, and you can speak to us for advice on making an offer. If your offer is accepted we can advise you on suitable solicitors and finalise your mortgage and protection arrangements on the spot.
			We instruct the mortgage valuation and liaise with the surveyors until the report is returned. If the valuation comes back with no problems and your documentation is in order a mortgage offer will be issued by the lender.
			Speak to us to ensure you are happy with your current arrangements before we advise you on what steps you need to take before you complete on your mortgage.
			You move into your new property, or your new mortgage starts if you’re remortgaging!

By Telephone

			You call us in your own time, or request a call back so we call you.  We complete a fact find over the phone and we will explain the different types of mortgage schemes, repayment methods, lender’s available, protection options and work out a budget for you. An “agreement in principle” can be provided at no extra cost for those who wishing to establish their borrowing potential, before a property is found.  This includes a mortgage certificate being issued as confirmation.
			Find your ideal home, unless you’re remortgaging, and you can speak to us for advice on making an offer.  If your offer is accepted we can advise you on suitable solicitors and finalise your mortgage and protection arrangements over the phone. If you prefer we can e-mail you personalised illustrations for your mortgage and protection arrangements and then discuss these in more detail over the phone before proceeding.  At this stage we will also let you know what documentation is required*
			We instruct the mortgage valuation and liaise with the surveyors until the report is returned.  If the valuation comes back with no problems and your documentation is in order a mortgage offer will be issued by the lender.
			Speak to us to ensure you are happy with your current arrangements before we advise you on what steps you need to take before you complete on your mortgage.
			You move into your new property, or your new mortgage starts if you’re remortgaging!

* We will try to verify your identity electronically but if this is unsuccessful you will need to post pre-selected items from the following list. Document List

Some of the above services may not be regulated by the Financial Conduct Authority

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Thinkofmortgages.Com is a trading name of Thinkofmortgages Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

We may charge you a fee for mortgage advice. The exact amount will depend on your needs and circumstances. Our typical fee is £399.