If you are new to the mortgage market, or have questions that you want answered, and have a couple of hours to spare - read through this comprehensive site in detail.  If however you want to know what we can do for you and how we can help you in concise form - here it is 

You make an enquiry to us (see how to contact us )

We acknowledge this and send you formal regulatory documentation*

We make recommendations to you and forward key features illustration (s)

On your agreement to suggested product, we obtain acceptance from lender

We forward full details of lender's requirements to proceed to offer

Lender arranges property valuation where required

Lender issues offer with copies to us and nominated conveyancer

Conveyancer issues certificate of clear title to lender

Lender releases funds to conveyancer for distribution 

Sounds so simple and straightforward, and in 'normal times' most applications we deal with progress through the system to completion quite smoothly.  However, times at the moment are not 'normal' and the credit crunch we hear so much about is playing havoc with the best laid plans.  Please be aware, therefore, that very often queries we raise,problems we need resolved and what might appear to be trivialities which require explaining, are a direct result of the very difficult and unusual times through which the mortgage market is passing.

One thing really stands out at present - there has never been a need as there is now for solid  professional mortgage advice from a 'whole of market' mortgage advisor!

  *or request that you download this from the site