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These examples explain situations worth discussing. They are not records of actual clients, approvals, quotations or completed transactions. Any outcome would depend on an individual assessment.
A borrower wants to compare staying with their bank with moving to another lender. Fees and the closing balance are included in the comparison.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A homeowner became self-employed during the current mortgage deal. The next review needs an updated picture of earnings and evidence.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A borrower wants to replace a mortgage and fund a kitchen extension. The purpose, budget and alternatives to replacing the whole loan need assessment.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A buyer or homeowner wants to discuss remortgages. Two points need attention: latest mortgage statement; current rate and deal end date. A remortgage can change the lender, term or borrowing amount. The evidence and the decision need to be considered together rather than in isolation.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A buyer or homeowner has started a conversation about remortgages, but the brief has changed. The review revisits two points: approximate property value; updated income and commitments. The next step is agreed using the updated facts, with any unresolved questions recorded.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A remortgage can change the lender, term or borrowing amount. Legal work, a valuation and affordability checks may be needed. Start the conversation ahead of your deal ending so there is time to check the alternatives and your current redemption figure.