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!