0117 422 0391
contact@thecompletemortgageshop.co.uk
How We Work?
From research to mortgage approval. We are here for you.
We are independent mortgage and protection advisers who have access to the Whole of Market mortgage and protection products.
Getting to know each other
This first stage is an opportunity for us to get to know each other. We will provide you with information about who we are, how we work, the cost that might involve and to answer any questions that you have. We will discuss your specific requirement, your current financial situation, your financial aims and objectives. We can either arrange a face to face meeting or speak with you over the phone in a convenient time for you.
This fact-find process will help us to understand your needs and help us to do the best job for you.
To help us find the most effective plan for you below is a list of documents that you might want to prepare before our meeting/phone conversation.
- Latest Credit Report
- Credit Card/Loan information (outstanding balances)
- Latest 3 months bank statements.
- Annual Mortgage Statement
- Stock and Share Statements
- Pension Statements
- Proof of address – recent utility bill
- Proof of Identities such as passport or driving license
- Research
With all the essential information about your situation and requirements, we will research the market taking into all lenders criteria and you affordability to find you the most suitable product. We are proud to be independent mortgage advisers who have access to the whole of market mortgage as well as have access to exclusive rates that you cannot get elsewhere.
Our Recommendations
Following our research and we have got the most suitable mortgage product for you.
We will let you know our recommendations and talk you through the details of the mortgage product chosen and we will provide you a document called ‘Key Fact Illustration' where it has all the important information about the recommended mortgage product.
We will also explain why the specific lender and product are chosen and we will give you time to think about our recommendation.
If you are happy with our recommendations, we will act on your behalf and proceed to a mortgage application when you are ready.
Mortgage Application
We will liaise with the mortgage lender and take you through the mortgage application process, dealing with any issues or unforeseen situation that may arise. We will also be liaising with your solicitors to make sure the process are going smoothly.
The Mortgage Offer
The Mortgage lender will provide a mortgage offer to you when they are satisfied with the property and you. Your solicitor will help you to complete the all legal process to finalise the drawdown of the mortgage loan.
If you have any queries or need any help throughout the process, we will still be here for you and we will also keep your details for any future assistance that you may need.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE The Complete Mortgage Shop Ltd (FCA number: 728880), registered in England 09866144 is an appointed representative of New Leaf Distribution Ltd (FCA number: 460421) which is authorised and regulated by the Financial Conduct Authority. Registered in England 5520001. Registered Address: Princess Caroline House, 1 High Street, 1st Floor, Southend on Sea SS1 1JE