If the mortgage deal is right for you and you want us, as your mortgage advisor, to process that into an application, you sign up with us and off we go. Now onto the actual process of getting a mortgage for you. Next, we look to gather all the documents necessary, ID, deposit proof, pay slips etcetera as we need them to submit to lenders. When all the documents are gathered and satisfactory we will then proceed to applying with the lender. The lender will request a valuation and comb over the documents provided. The timescale on this varies but you're looking at an average of two to four weeks, depending on circumstance. Once they have looked over everything, the property and your financials a decision will be made. If acceptable, they will submit a formal offer. Your solicitors receive a copy of the offer and then process the legal side of the mortgage.

A lot of clients, new and experienced, ask about our mortgage process so let's lay it out for you here. At the initial stage of getting a mortgage, we would have a meeting, phone call or email conversation to discuss your needs and current financial situation. Here at True Advice, we hold honesty and simplicity at the core of our beliefs. If we feel we can't get you a great deal off the bat, we will tell you straight. We often advise on how you can progress to your mortgage goal going forward. In this initial meeting, we will also go over our broker fees.

If we can assist you in getting a mortgage then our advice process starts with a full financial fact find. In this step, we gather all the information we need on your financial & personal situation to produce the right recommendation for your mortgage goal. Once we have all that information it's time we make our recommendation. Our recommendation will be based on the mortgage comparison we have done across the market. We will discuss your options and provide you with a mortgage illustration along with a client agreement laying out our fees. This is how we begin getting a mortgage for you and tailor it to your needs.

Some Buy to Let Mortgages are not regulated by the FCA. True Advice Financial Services is a trading style of TA and SE Hollom Ltd which is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: Number 460421. Registered Office: New Leaf Distribution Limited, 165 - 167 High Street, Rayleigh, Essex, SS6 7QA.