How to
apply for a
mortgage

How to get started…

The first thing that we will need to do is find out a bit about you, your current situation and your future plans. We can do this either face to face, over the phone or online.

The next step is to get some documentation from you. We will need to see proof of your income and expenditure, so we will ask you to upload documents directly to our secure online portal. We understand that much of the documentation that we will need to process your mortgage is confidential, so we’ve made it as easy as possible for you to get your documents to us quickly, easily and above all, securely.

Once we have an outline of the type of mortgage you will need, the next stage will be to apply for a Decision in Principle. This means that we will be submitting a partial mortgage application form, and the lender will check your application to make it meets their affordability calculations. They will also check your credit file. The lender should then confirm whether they are happy to lend you the amount you need to purchase the kind of property you’re looking for.

Now you can go and find your dream home, safe in the knowledge that your finances are all sorted!

what next?

Once you have found a property and agreed the purchase price, we need to agree the full details of the mortgage we are recommending to you and make the full application. At this point, we will top and tail the documents we might need from you so that we can secure a swift mortgage offer. There are a number of other things you’ll need to consider at this point in the process.

Surveys

You can choose which kind of survey you want to be carried out on your new property. The most common ones are:
1. A basic valuation for mortgage purposes
2. A Home Condition report
3. A Homebuyers report
4. A full building survey

The basic valuation is purely for mortgage purposes and is often free of charge. The lender simply asks the surveyor to recommend the property for mortgage purposes (ie, give them their professional assurance that the property is good security for the money they are lending you).

However, please be aware that this report is done for the lender and not for you. If you subsequently found a problem with the property, you would have no recourse with the surveyor or lender.

If you would like a more detailed survey, we recommend that that you arrange this via an expert inthis field. The Royal Institute of Surveyors  is often the best place to start, as it will provide you with loads of useful information on the range of surveys available. Check them out here .

Insurance

Once the mortgage is agreed, we need to discuss insuring you and your property. You may need some or all of the following:
– Home insurance
– Life insurance
– Critical Illness insurance
– Income protection (to cover your income if you fall ill for a longer period of time and cannot work)

If you would like to discuss your insurance options with a member of our team, please let us know and we’ll happily assess your needs.

Payment Protection Insurance is optional.  There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.  

Want expert mortgage advice?

contact us today 01245 860866

I was recommended by a family member to use Peter Burke from Easyswitch Mortgages. I received an excellent service and Peter went above and beyond to help me with my First Time Buyer mortgage application and I successfully received a mortgage offer. I changed from a HTB mortgage application to a non-HTB late on in the process and very few lenders were available given my new job role and absence of new payslip – Peter was able to source a lender at competitive rates. I would definitely recommend Peter and you will not be disappointed in the service he provides.

Meher 
Meher

Very pleased to recommend Ian Ward and Easyswitch Mortgages. Ian has supported us over the last five years, from our first mortgage and two subsequent remortgages. Very professional and knowledgeable about the market, he is also highly personable and always accessible, and has invested time to build a long-lasting and trusted relationship.

Charlie 
Charlie

Peter Burke at easyswitch made the whole process of renewing my mortgage as easy as possible. He was able to get me a really good deal and now I’m paying less than half of what I had been paying for my existing mortgage. I have used him before and have recommended him to other people whom he has equally helped. Couldn’t recommend him highly enough. I only wish other companies were this efficient.

Ian 
Ian

Ian was nothing short of a super star for us, he explained the process thoroughly as it was our first home, and would always answer any questions we had. Always happy to help, wouldn’t go anywhere else and would recommend him to anyone!

Abbie & Josh 
Abbie & Josh

Pete at Easyswitch has gone above and beyond in helping with the remortgage of my 2 bedroom flat. He contacted and chased (vigorously) the surveyor, management company as well as the fire risk assessor when the bank would not release the value of the property due to an issue with the cladding report. He’s also provided great advice on the different options available and the optimum solution. The mortgage offer has finally come through and it is what we were hoping for – thanks to Pete’s continuous perseverance. I highly recommend the company especially Pete!

Sam 
Sam

Steve Gregory is not only one of the most knowledgeable mortgage brokers I’ve dealt with in the last 31 years but is also one of the easiest to understand and most professional. I could not recommend him and Easyswitch mortgages more.

Simon 
Simon

Absolutely fantastic service. Very professional and polite. Very easy transition, nothing was to much trouble. A huge thank you

Mohammed 
Mohammed

Absolutely incredible customer service, exceeded my expectations by a country mile! Thanks Ian for all the great advice and efficiency during the process.

Ben 
Ben

Contact Us

01245 860 866 sayhello@easyswitchmortgages.co.uk #essexmortgages #easyswitchmortgages

Find Us Here

47 Church Street
Great Baddow, Chelmsford
Essex CM2 7JA

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Your home may be repossessed if you do not keep up repayments on your mortgage.
Easyswitch Mortgages is a trading style of Essex Mortgage Centre Ltd, who is an Appointed Representative of Mortgage Next Network Ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.