What to Expect
If you're purchasing your first home or moving up the property ladder, and regardless of whether you're employed or self-employed, you'll find that one of our four journeys below align perfectly with your goals. Take a look and reach out to us to get started!
First Time Buyers
1. Qualify
You deserve to search with confidence, so let's determine your affordability and ensure lenders will approve your loan. We just need some basic information to create a personalised quote. This quote will reveal the house prices you can target and outline your projected payments.
2. Property Search
Now the fun begins! Terrace or semi-detached, penthouse apartment or bungalow. The important thing is that you have your budget sorted. Once you've narrowed down your property shortlist and started viewing, we'll guide you through the next steps toward securing your dream home.
3. Advice and Proof
When you're ready to make an offer, being first in line is crucial! We'll ensure that happens by obtaining a Agreement In Principle (AIP) certificate. This shows the seller you're serious and ready to move quickly. This is needed more than ever with demand so high.
4. Apply
Your offer has been accepted! We'll request any documents required by the lender. We'll handle all the necessary work to secure your mortgage offer and keep you updated throughout the process, allowing you to focus on packing and preparing for the move.
5. Offer
Once the lender approves your documents, they will conduct a property valuation and issue your offer. Congratulations! Your offer will then go to your solicitor. We help with legal terms, liaise with your solicitor, and keep you updated to meet deadlines.
6. Collect your Keys
Congratulations, the property is now officially yours! We'll check in with you annually to see how everything is going, and we'll touch base again when it's time to review your deal. If you have friends or family who could benefit from our services, we'd be delighted to assist them as well!
Home Movers
1. Qualify
You deserve to search with confidence, so let's determine your affordability and ensure lenders will approve your loan. We just need some basic information to create a personalised quote. This quote will reveal the house prices you can target and outline your projected payments.
2. Property Search
Now the fun begins! Terrace or semi-detached, penthouse apartment or bungalow. The important thing is that you have your budget sorted. Once you've narrowed down your property shortlist and started viewing, we'll guide you through the next steps toward securing your dream home.
3. Advice and Proof
You've navigated this process before. Whether you're considering porting your current mortgage or exploring new deals, At Manchester Independent Mortgages, we prioritise exploring all available options meticulously to guarantee a seamless process.
4. Advice
Your offer has been accepted! We'll request any documents required by the lender. We'll handle all the necessary work to secure your mortgage offer and keep you updated throughout the process, allowing you to focus on packing and preparing for the move.
5. Offer
Once the lender approves your documents, they will conduct a property valuation and issue your offer—congratulations! Your offer will then be sent to your solicitor, and we're nearly there. We'll liaise with your solicitor and keep you informed as we work to meet your deadlines.
6. Relax
Congratulations on this next big step for you and your family! Don't forget, we're here to provide coverage for life's unpredictability’s. We'll check in with you annually to ensure everything is going smoothly, and we'll reconnect when it's time to review your deal.
Remortgages
1. Advice
Let's find the best lender to support your goals! We'll dive into your priorities and plans to recommend a package that suits you perfectly. If you're new to the mortgage process, we'll ensure we explain everything.
2. Apply
You might be familiar with this process, but the mortgage landscape evolves rapidly. As your broker, we stay current with these changes to ensure a seamless and efficient journey for you.
4. Offer
Once the lender approves your documents, they will conduct a property valuation and then issue your offer—congratulations! The offer will be sent to your solicitor, and we'll handle the follow-up and keep you updated throughout the process.
5. Relax
This was a necessary task, and we've reached the finish line—take a breath! We'll coordinate with the solicitors to switch your deal to secure the best interest rate available. We'll reconnect when it's time to review the deal.
Product Transfers
1. Recommendation
No hassle, no confusion, no jargon. We'll simplify everything based on your goals and preferences to identify the best product from your current lender. We'll provide you with all the details you need in a straightforward manner. Easy and straightforward!
2. Documentation
More good news—this type of change requires minimal paperwork. If we need anything from you, we'll let you know.
3. Done
That was easy! Not even broken a sweat. We'll keep in touch every year to check in on how things are going and reach out before your product expires to discuss switching options.