Applying for a mortgage

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Applying for a mortgage is undoubtedly one of the biggest tasks you will face and we are here to help you every step of the way.

At Trinity Finance, we ensure all of your questions are answered and walk you through all parts of the application process, providing you with guidance and support throughout.

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Our mortgage experts can find the right mortgage for you

There is a vast range of mortgages available and it can be daunting to know where to start when you’re ready to apply for one. Our knowledgeable mortgage brokers offer independent advice to help you choose the right mortgage for your needs and requirements. They take the time to listen to you, finding out your aims and preferences when it comes to a mortgage as well as discussing your financial situation. This helps to guide us in the right direction when searching for a mortgage product for you, ensuring we find a deal that is tailored to your needs.

There are many factors to consider when choosing a mortgage, including the monthly cost, whether that will fluctuate or stay the same, the length of the mortgage term, the overall cost of the mortgage and whether you will be liable for any early repayment charges. Your situation also determines which mortgage deals are best for you and whether you need to apply via a specialist lender. First-time buyer mortgages, for example, often include incentives while specialist lenders offer more flexibility for contractors or can help if you have a bad credit rating. At Trinity Finance, we have access to an unrestricted range of first and second charge lenders, which means we are not tied to specific lenders. We can search for the best deals to suit your needs and offer completely impartial advice.

Whether you’re looking for guidance on a mortgage quote, information on the types of mortgages available or are ready to proceed with your application, we are here to assist you. Our experienced mortgage brokers, located throughout Kent, London and Edinburgh, can scour the market for the optimum mortgage deals with competitive rates. They can tailor-make your application and present it to a lender in the best way to ensure success. Give us a call on 01322 907 000 to discuss your needs or send an enquiry to us via our contact form and one of our mortgage consultants will reply to you as quickly as possible.

We oversee your mortgage application

From start to finish, we are on hand to help you with your mortgage application. It’s important to get it right to ensure a quick process with a successful outcome. To that end, we provide you with a dedicated mortgage consultant who will oversee the entire process for you.

Your qualified broker will approach a lender on your behalf to obtain a mortgage in principle. At this stage, the lender will review your paperwork and carry out a credit check. This conditional offer confirms ‘in principle’ that the lender is prepared to lend you a certain amount of money based on the documentation you have provided. Your mortgage in principle is usually valid for 6 months, depending on the lender. Having one helps estate agents know what price you can go up to when looking at properties and reassures sellers that you are a serious buyer when making an offer.

Once you have had an offer accepted, we help to prepare your formal mortgage application to ensure it is accurate and meets the lender’s requirements. The lender then carries out a credit check on you, which shows on your credit report, reviews your paperwork and arranges for a valuation to be carried out on the property. When the lender is satisfied with the affordability checks and the surveyor’s valuation, your application will be approved and you will be issued with a formal mortgage offer. This can take about 4 weeks to process from the application stage and is usually valid for 6 months.

From this point, your solicitor will continue with the conveyancing process until you are ready to exchange contracts. Once you have exchanged contracts, your solicitor will request your mortgage funds to be released by your lender. At this stage, you can sit back, relax and look forward to the completion date when you can collect the keys to your new home.

Look forward to a successful mortgage application

Our qualified mortgage brokers in Kent, London and Edinburgh have a wealth of knowledge and expertise to offer when it comes to applying for a mortgage. Whether you’re a first-time buyer, self-employed, looking to invest in a buy-to-let property, have a bad credit rating or want to remortgage, they can assess your situation and search for the best mortgage deals to meet your needs.

Your dedicated mortgage consultant will ensure your application is prepared correctly before presenting it to the lender most likely to approve it. This prevents the occurrence of unexpected delays due to missing information or unnecessary credit checks being carried out by multiple lenders. By overseeing the application process, we can help to ensure it runs smoothly and keep you fully informed of the progress throughout.

Get in touch with us on 01322 907 000 to get started with your mortgage application or send your details to us at Benefit from our tailor-made service and have peace of mind that your application process will be a straightforward and successful one.

Talk to the mortgage experts.
Call us on 01322 907 000
or enquire now