Our approach to all new requests and clients is as follows:
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Step 1: First Contact
All first contacts are managed by a relationship manager who understands the market we operate in, can quickly see if we can help or not, and will match the client to the best possible broker based on their needs.
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Step 2: Arranging a Meeting
The client will then speak to the broker at a time that suits them and over the most appropriate medium – we get this part arranged as fast as possible and can often happen instantly.
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Step 3: Meeting your Broker
The broker will work quickly to understand the client’s position, background, circumstances and plans. At this stage, we will only talk and we won’t ask for paperwork or forms to be filled unless it is absolutely necessary.
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Step 4: Discussing your Options
The broker will then explain what we think is possible (from the widest view of the market), what it will cost, what the process will be and what the risks or problems to be overcome are.
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Step 5: Agreeing on your Mortgage
At this point, if the client is happy, we will set to work on agreeing on the mortgage terms in principle, assembling paperwork and documents to support the case, discussing the lending request with the correct people at the banks we think are best placed and doing as much as possible to ensure the first approach will work.
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Step 6: Submitting your Application
Then, at this point, if the client wishes to proceed with a formal application, our fees are agreed and we set to work on the formal application.
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Step 7: Closing the Deal
Through the entire process, we will be hands-on and pushing every detail to ensure the transaction is completed as cleanly and quickly as possible, managing all other parties in the process.
