How do I book an appointment?
We make booking an appointment as straight-forward as possible for you. Simply email us at firstname.lastname@example.org or call 01522 540777 to speak to one of the team.
We want to make sure we can find an appointment slot that is personalised to your needs, which is why we don’t use a generic booking system.
How are the appointments carried out?
We conduct the majority of our appointments over the telephone. In the last 18 months the lenders that we work with have made it possible for us to apply for mortgages on your behalf without a face to face meeting, meaning that you can take our call in any location and don’t have to worry about rushing back from work to squeeze the appointment in. We are also able to tele-conference, so if you’re not in the same place as the person you’re applying for the mortgage with, we can still get you both on the phone. Geography is no longer an issue!
What documents do you need before the appointment?
We ask for a number of documents before your appointment, these are used to verify your identify and your income. We require these so that we can give the best advice for your circumstances. We also ask for copies of your bank statements, this helps your adviser understand your income and expenditure so that they can advise which mortgage could be the best fit for you.
A full list of documents will be sent to you by email when you book your appointment.
What’s the Client Portal?
The Client Portal is our secure online platform, where you are able to securely upload your documents. When you book your appointment, you will be sent an email with instructions regarding how to access your portal.
You can access the Client portal either via the link sent to you or directly from our website. Here’s a video to show to upload your documents.
Do I have to upload documents to the client portal?
We have the Client Portal to make it easier to upload documents. However, if you’re not comfortable with this, that’s not a problem at all. You could attach them to an email instead, or bring them to the office in person. Likewise, if you’re having issues scanning or copying documents, we can do it for you.
Our office is staffed Monday – Friday 8:30am to 5:30pm, so you’re welcome to drop in with your documents.
If you can’t get to us easily, you’re welcome to post copies of your document to: White Mortgages Ltd, City Office Park, Crusader Road, Lincoln, Lincolnshire, LN6 7AS.
Please be aware that we cannot take responsibility for the documents whilst they’re in the hands of the Royal Mail and please avoid sending original documents, unless absolutely necessary, or specifically requested.
Am I charged for the appointment?
The initial appointment itself is completely free of charge. If you choose to instruct us to formally apply for your mortgage, we charge a Broker Fee once your Mortgage offer is issued. This helps cover our costs but is kept to a minimum as we often also receive a small fee from Lenders.
Our fees are covered in detail in your initial appointment as part of the overall explanation of how we work and what will happen, if you choose to progress. You’ll also be sent an email confirming all of this after the meeting.
What happens after the initial appointment?
Between the initial appointment and receiving your formal mortgage offer, a number of things happen:
Your adviser will look at the whole of the market and determine which is the best mortgage product for you, based on the information gathered during the initial appointment. Once they’ve found the most competitive deal, and usually had your mortgage agreed in principle, they will share this with you. Initially, this usually takes place over a phone call with you, and is followed up by email, where you are sent a Mortgage Illustration detailing the recommended mortgage product.
Once you’ve confirmed your wishes to progress further, your mortgage adviser completes a formal mortgage application on your behalf as the next step.
The team then check that all of your documents meet the requirements of your chosen lender and may contact you if the lender requires anything further.
Once the lender is satisfied with your application and supporting documents, they’ll usually require a valuation of the property – both to satisfy themselves that it is suitable collateral for a mortgage and that the agreed value is indeed appropriate.
Unless the Lender has any queries, once a valuation is returned to them and approved, they’ll issue your formal mortgage offer. In turn, we will then share this with you.
What happens after I have my formal mortgage offer?
Once you have your formal mortgage offer, the legal process can progress further, as the Offer confirms you have formally been approved for the funds you need in order to buy / remortgage the property.
At this point, the process itself is out of our control to a large degree. However, we are in regular contact with your appointed solicitors and will regularly update you. If you have any questions regarding paperwork at this point, simply give us a call or email and we will do everything in our power to get it sorted for you.
We aim to make this part of the process as stress-free as possible, so please do ask us if there’s anything you’re unsure about.
Can you arrange my remortgage if you didn’t arrange the original mortgage?
Absolutely! The process is the same whether you’ve been with us for years or if you’re a new client, the initial appointment will just vary in the amount of time it takes because we don’t know you yet.