We’ll try to help make your move as stress-free as possible
It's natural to have loads of questions, even though you've been through the buying process before:
Do I stick with my current lender?
How much can we afford?
What are the upfront costs?
Which solicitor shall we use?
It's also really common for everyone to give you their well-meaning, but unqualified opinion, which along with the vast amount of information available online, can leave you unsure where to even start!
Let us help to answer your questions in a simple and clear way and hold your hand throughout the process, all the way through the front door of
THE MOVING PROCESS
The simple steps to your new home ....
Following an initial call to establish your budget and options, we take care of the mortgage, allowing you to focus on the 2 most important parts:
Finding a buyer for your home
Finding your new home
We continue to liaise with the lender, conveyancer and estate agent to ensure that everything is done in a timely fashion, keeping you updated throughout.
Every situation is different, and whilst we can’t guarantee how long it will take… on average it can take 3-4 months from application to completion…
WHAT DOCUMENTS WILL YOU NEED?
Lenders will need some documentation from us to help demonstrate that you can afford the mortgage we request. Whilst we'll discuss with you during our initial call, if you can prepare the following documents (preferrably scans or electronic versions) it will save time and ensure a smooth process.
We'll provide you with a secure portal to send your documents over to us when required.
Scanned copy of your Passport or Driving Licence
PROOF OF ADDRESS
Recent Utility Bill, Council Tax Bill or Bank Statement
PROOF OF INCOME
Employed Clients - Latest 3 Monthly Payslips and Latest P60
Self Employed Clients
Latest 2 Years Accounts, or
Latest 2 Years HM Revenue & Customs (HMRC) Tax Calculation accompanied by corresponding Tax Year Overviews
Latest 3 Full Months Bank Statements for all active current accounts - showing both salary credits and outgoings (direct debits, standing orders etc)
Most Recent Mortgage Statement
What you need to know
There may be a fee for arranging a mortgage, typically £199 for Residential and Buy-to-Let remortgage applications, £375 for residential and buy-to-let purchase applications and £499 for applications with specialist lenders due to adverse credit. Fees are payable upon receipt of your Mortgage Offer from the chosen lender.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.
The guidance and/or advice contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.
MHC Mortgage & Protection Ltd is an appointed representative of HL Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority. HL Partnership Ltd is entered on the FCA register under reference 303397
MHC Mortgage & Protection Ltd is registered in England and Wales - 12067840 – Registered address – 13 Aurum Close, Whitstable, Kent. CT5 3FN