Our Process
Customer journey
Initial Chat
Discuss your plans: Give us a call or email us to schedule a call to initially talk through your plans and what you are looking to do
Documentation Gathering
Prepare documents: Once we’ve had a discussion and what you are looking to do seems feasible and we’ve provided an idea of product interest rates, we will email you our documents to complete and a list of documents to provide.
Research and Preparation
Research lenders: Once we have received our completed documents and requested documents, we will research lenders that offer portfolio buy to let mortgages and provide you with the cheapest product options you and the property are eligible for.
Decision in Principle and Mortgage Application
Once a product has been selected e.g. a 2- or 5-year fix product, we will submit the Decision in Principle and Mortgage Application.
Underwriting and Approval
Underwriting process: The lender’s underwriting team will assess your application and verify the provided information.
Property Valuation
Valuation assessment: The lenders will value the property and assess its suitability considering factors like location, size and condition.
Offer and Terms
Mortgage offer: If your application is approved, the lender will provide a formal mortgage offer outlining the terms, conditions, interest rates, and fees
Legal and Regulatory Checks
Legal and regulatory review: Your solicitor or conveyancer will review the property’s legal title, ensuring there are no issues that could affect the mortgage or property ownership.
Completion
Legal: Your solicitor will coordinate the completion process. It’s important to note that the process can vary depending on the lender, your location, and individual circumstances.
Testimonials
Contact us on 02476 455445
or email enquiries@keys-mortgages.com
Much more than just a mortgage broker
Specialist Advisers
We only deal with property finance and don’t dilute our service and skills by being a jack of all trades.
Customer Care
We pride ourselves on the extremely efficient but very personal service we provide our clients.
Time Saving
We have created systems that mean you can get on with your life and let us do what we do best.
Confidentiality
We take client confidentiality seriously and our systems protect your data in line with current regulations.