Mortgages
Finance & Protection
How do i obtain a mortgage...
We ask GROSVENOR MAY
Our partners at Grosvenor May are on hand to talk through the best options for you. They provide tailored advice for your mortgage & protection needs. At Grosvenor May they make sure you understand your priorities and circumstances (both now and in the future) before making tailored recommendations to meet your mortgage and protection requirements. With over 35 years’ experience in financial services, you’ll be in safe hands with Grosvenor May.
- Saving you time and money by searching the market
- Sourcing the best mortgage & protection deals available
- Managing your journey from start through to completion
Informal Discussion
We want to support you through the end to end mortgage journey, that’s why it’s so important to have an informal discussion right at the outset. We can make sure we can meet your objectives, you can borrow what you need, but more importantly make sure its affordable for you
AIP - Decision in principal
An agreement or decision in principle is an important part of your house buying journey. It takes less than 10 minutes but provides you & your estate agent with confidence that you are highly likely to be accepted for the mortgage you require. Some estate agents will want to see this before viewing properties but you will defiantly require this to make an offer. The agreement/decision in principle involves a soft credit search on your credit file.
A credit check, also known as a credit search, is when a company looks at information from your credit report to understand your financial behaviour.
As part of a credit check, companies may look at whether you’ve paid back your credit on time, how much credit you currently have and how you’re managing it.
A soft credit check is an initial look at certain information on your credit report. Companies perform soft searches to decide how successful your application would be without conducting a full examination of your credit history.
Crucially, soft searches aren’t visible to companies – so they have no impact on your credit score or any future credit applications you might make. Only you can see them on your report and it doesn’t matter how many there are.
Mortgage Protection
Mortgage life insurance gives you reassurance that should you die, your mortgage will be paid off. It provides your family or dependents with a lump sum to clear the mortgage debt and have one less financial burden at an already difficult time.
Mortgage life insurance can also be used by a nominated person (non-family) to pay off your mortgage if you die.
Get in touch
Please use the form below to get in touch with one of our advisors.
