Our Journey
With You Every Step Of The Way
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It Starts Right Here

Book an appointment with our friendly advisers by using our booking system or calling us on 0141 771 7002. You can be welcomed at our office for a cuppa, we can do this by phone or video call. Our advisers will get to know you first and foremost before discussing your mortgage requirements. Building an excellent rapport is the first step to providing you with the bespoke advice you are looking for.

We will discuss your mortgage requirements, explain what government schemes are available, how the overall cost is made up, confirm if you are liable for stamp duty and establish a budget. This is crucial to making sure that dream home is affordable whilst maintaining your lifestyle. Together we will agree on your best course of action and will provide you with an Agreement In Principle.

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Let’s Get Viewing

Now that you have an idea of what you can borrow it’s time to get searching. With the presence of online property portals such as Rightmove & Zoopla it’s never been easier to find properties.

Our team will keep in regular contact with you and will check over the home report/survey to make sure the property is suitable for you to buy and acceptable to the mortgage lender. Remember it can be a daunting process stepping into someone else’s home, so it’s best to be prepared. We encourage you to ask the seller things like running costs; it may also be wise to visit the property twice to make sure you ‘get that feeling’ when you step inside for a second time.

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Negotiation & Agreeing
So you have found the home you want to buy, and no doubt filled with excitement. It’s time to secure the property for the best price possible and this is where our expertise comes in.Unlike other mortgage brokers or banks, we will handle the negotiation process on your behalf. This step is often left to you or your solicitor but after all who knows your finances the most? Our advisers have been skilfully trained and work closely with estate agents to identify key aspects of sales negotiation. Therefore, we will secure the property for the cheapest price possible.
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We’ve Got This

We are now in a position to submit your full mortgage application. We will check that the lender who originally agreed you in principle is still the most suitable option. With interest rates changing daily it’s important to check the market again.

By now you would have discussed with our team what documents we require. It’s imperative that all of your documents are available at this stage so we can obtain your mortgage offer within the quickest timeframe possible. This process usually takes around 2 weeks, although our highly dedicated team often achieve this sooner and you will be kept up to date at every single stage.

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Keeping You In Control

During the process of your mortgage application we need a further appointment with you. This will be explained at the very outset as this appointment is the most important part of the process.

Our deft advisers will chat about your family & lifestyle and describe what options you have, to guarantee that you can keep your home even at your most vulnerable. When you become a client of ours, we will create financial peace of mind.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

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You Officially Have A Mortgage

As soon as you have been accepted, we will inform you of the good news and provide you with a copy of your mortgage offer. You will receive a copy directly from the lender and your solicitor will also get a copy.

This milestone is the next step in making that dream a reality. As the finance has been agreed you are now able to commit to the mortgage legally. This is known as concluding missives or exchange of contracts.

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Legal Process

Our job isn’t just to get you a mortgage offer; it’s to get you into the house. This stage of the process is often overlooked by other advisers and you are left to deal with this phase alone. Not here at Mortgage Information Bureau, we will liaise with your solicitor and other parties to overcome any challenges.

When your solicitor has completed the legal work known as ‘conveyancing’, they will confirm that you are happy to progress and legally commit you to the purchase. You will be made aware of the date of entry and informed of how and when your deposit should be paid.

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IT’S YOURS

We will work hard on the morning of your moving day to make sure that everything has gone to plan. Your solicitor will receive the mortgage funds from your lender and will organise for this to be sent to the seller’s solicitor.

When the funds have cleared and the money has exchanged hands, you will be advised that your purchase has completed. You are now the legal owner of your home and can collect your keys!

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Let Others Know About Our Efforts

Our business has been built on providing an excellent service to our clients who recommend for over 20 years. We would love if you could refer us to your friends & family and leave us a review on Trust Pilot and/or Facebook.

In this digital world we now live in its vital that your experience is readily available to others just like you. This will help us monitor the level of service we provide so that our clients receive the best possible experience when dealing with us. We are proudly rated Excellent on Trust Pilot.

Contact us today for a
Free Appointment