Premier Mortgage Associates
Mortgages | Protection | Insurance
Securing your future, one mortgage at a time
Guiding First-Time buyers through the mortgage process
How a Mortgage Broker Can Benefit You
We work closely with you to save you time and give you the very best chance of a successful application.
During the application process, we'll:
- Talk you through all your options with a no obligation consultation
- Recommend the right mortgage for your situation
- Check how much you can afford to borrow
- Help you to gather the information and documents you need for your application
- Help you prepare your application for submission
- Submit your application to the lender
- Liaise with the lender, solicitors and estate agents.
Once your mortgage has been offered, we'll support you all the way through to completion.
We'll work hard to build a lasting relationship with you so you'll always have someone you trust to help with any queries or requirements in the future.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Start looking for your dream home
Before you even start looking for your new home it's a good idea to talk to us so you can understand exactly how much you can borrow.
Everyone has different circumstances, you may be employed or self-employed, recently started a new job or have bonuses and commission that form part of your income.
This is where our expertise comes in and once you've had your initial consultation you will have a clear idea of how much you can borrow.
Depending on your timescales we can do a formal Agreement in Principle with a lender so that you can take this to Estate Agents when viewing properties.
Then the fun starts and you can start looking, we love seeing the properties you are interested in and enjoy being part of your journey to home ownership.
How does the buying process work?
- We help you make and secure an offer on the place you want
- You instruct a solicitor to handle the legal side of things
- We finalise and submit your mortgage application to your chosen lender
- They will survey the property to make sure the mortgage you want is reasonable
- Once they are happy with the valuation, they'll make you an official mortgage offer
- Your solicitor completes the legal process so you can exchange contracts and pay your deposit
That's it! The home is now yours and it's time to collect the keys.
How does the mortgage process work?
Getting a mortgage is important, but it doesn't have to be complicated. We'll handle every step for you, deal with all the paperwork and take away all the hassle. Here's a quick overview of how the process works and how we will help you:
- We'll talk to you in detail about your situation and budget to work out the maximum you can borrow. This will help make sure you're looking for properties in the right price bracket.
- We'll explain all the documentation we'll need to put together to support your application.
- Once you've found a property, we'll find your ideal mortgage and manage the application process for you. We'll make it as simple as possible.
- The lender then carries out a survey to assess the property, and their underwriter will review it all to confirm it's affordable for you. This might include asking for a reference from your employer or accountant
- Once the lender's happy with all the checks, they'll make a formal mortgage offer. Then we'll help you complete the legal details and exchange contracts with the seller. We'll be there to talk you through every single piece of paper so you don't need to worry about a thing.
Get your Free Credit Report Today
We have teamed up with checkmyfile, so that you can download the UK's most detailed credit. FREE for 30 days, then £14.99 per month unless cancelled.
Obtaining your credit report is a crucial first step in the mortgage application process. Your credit report contains all the information that lenders will consider and provides you with a clear overview of your credit score.
Premier Mortgage Associates will also need a copy of your credit file before we process an application.
Why checkmyfile over Experian,Equifax or Clear score?
Checkmyfile is the UK'S Most Detailed Online Credit Report
- See your data from 3 Credit Reference Agencies, not just 1
- Get an independent view with your checkmyfile Credit Score
- Really easy to cancel - by phone or even online
- We guarantee never to sell your personal data
- Consistently rated ‘Excellent’ on Trustpilot
*When signing up, you must provide your credit card details. Checkmyfile is a monthly subscription which, at the time of writing this article, costs £14.99. There is a 30-day trial period, but you can cancel your subscription at any time. Free trial is not applicable to existing members.
You will also need to provide your name, address and email address and create a password. Once configured, you can log in with your email address, the password you choose during registration, and your date of birth.*
Get in touch with us now to chat with our friendly team of experts!
© 2024 Premier Mortgage Associates Limited | All Rights Reserved
Regulatory Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Premier Mortgage Associates usually charges a fee for mortgage advice, typically £395, however, the amount of the fee will depend upon your needs and circumstances. This will be discussed and agreed with you at the earliest opportunity.
The advice fee is payable upon the application stage of your journey and is non-refundable.
Premier Mortgage Associates Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority Place of Registration: England & Wales. Registered office: 14, Penny Court, Ringwood, Hampshire BH24 1JH. Registration number: 15146348.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Premier Mortgage Associates Limited | Mortgage experts, proudly serving Hampshire & Dorset
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