Your mortgage journey – taking the first steps

Your first appointment
The initial meeting is to get to know you and understand your needs and circumstances.
We will explain our services and fees
We will explain mortgage repayment methods and schemes
Confirm your identity and address (ID and Proof of residency verification will be taken)
Establish and discuss your needs in terms of mortgages and protection
Carry out a full income and expenditure exercise to review a budget plan
Apply to an appropriate lender for an Agreement in Principle
Issue you with a mortgage certificate
Your second appointment and customer service review
Recommend the most suitable mortgage and protection scheme
Application of the mortgage and protection scheme
Explain the next steps of packaging your plan and build your ongoing relationship with Linear Financial Solutions
Prior to exchange and completion we will review your bespoke mortgage and protection portfolio and the payment of fees
Payment of fees is required on exchange and completion*
*These fees will be clearly set out by the advisor in your initial meeting.
Your home maybe repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but may range from £399 to £599.
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Your new home is just 10 steps away…
Step 1
Recommend the most suitable mortgage and protection scheme
Step 2
Application of the mortgage and protection scheme
Step 3
Explain the next steps of packaging your plan and build your ongoing relationship with Linear Financial Solutions
Step 4
Prior to exchange and completion we will review your bespoke mortgage and protection portfolio, and the payment of fees
Step 5
On exchange and completion, payment of fees*
Step 6
Mortgage Offer made by lender
Step 7
Speak to us to ensure all arrangements are in place before exchange
Step 8
Exchange of contracts
Step 9
Completion
Step 10
Move in day!