mortgages - finding the right one for you - romans
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Mortgages
finding the right one for you
We understand that the many different mortgage products on the
market can be confusing. To help guide you through the process
of acquiring the right mortgage for you we have an expert team of
highly experienced, local financial advisers on hand to support you
through the entire process, from an initial conversation right through
to completion.
Our advisers take the time to understand your situation and utilise
their in-depth market knowledge to help you find the right mortgage
for your circumstances.
Don’t wait until you find your perfect home before arranging
your mortgage.
So that you are in a strong position to purchase, it is recommended
that you arrange your mortgage before you find a house you want to
buy.
Having your mortgage offer confirmed means you know exactly how
much you can borrow, so you are able to move quickly when the
time is right.
A mortgage that suits you
Expert mortgage advice atRomans Mortgage Services
Challenge us to save you money on your mortgage.
We’ll search over 11,000 mortgage products from
90+ UK lenders to find the right one for you.
Drop in to your local Romans branch or call
01344 985 881 to make an appointment.
Moving home
Buy-to-let
First-time buyers
Remortgage
BUY TO LET
£
Professional mortgage advice
Romans offers professional advice which will be specifically
tailored to your needs and circumstances whether it is for your
first home, moving home, investing in property or remortgaging.
And in contrast to high street lenders who will only offer you their
products, our expert advisers will search the mortgage market.
In fact, we will compare over 11,000 mortgages from over 90
different lenders to find the one that suits your needs. We also
offer a range of exclusive rates you won’t find anywhere else on
the high street.
Peace of mind
The market can be highly competitive at times, resulting
in multiple offers on the same property. By using Romans
Mortgage Services, we can validate the offer you put forward to
the vendor. This is highly desirable to homeowners looking for a
quick and assured sale.
Seamless communication between our mortgage advisers and
Romans’ sales staff ensures all parties are kept informed at all
times. This allows us to take control and ensure your purchase
progresses as smoothly as possible.
A personal mortgage service
We believe in a personal service, so you’ll deal directly with your
own dedicated mortgage adviser. They will take care of everything
for you, so there’s no need to worry about meeting deadlines or
struggling through lengthy documents on your own.
Your mortgage adviser will be your dedicated point of contact
from day one and will be on hand throughout your purchase to
answer any questions or concerns you may have.
Our advisers are based across our entire branch network covering
Berkshire, Buckinghamshire, Hampshire, Middlesex, Oxfordshire
and Surrey. They are used to working to very tight deadlines
so can meet with you at short notice and will progress your
application as quickly as possible, avoiding potentially costly
delays.
Finding the right mortgage for you
Thinking of putting an offer on a property?
The chances are you may not be the only
one, so it’s important you ensure you use a
mortgage adviser who will understand your
needs and be in a position to work quickly and
effectively on your behalf.
iRemember you don’t have to purchase
your property through Romans to use
our mortgage services.
6 easy steps to securing the right mortgage for you
Begin looking for your new home
01 Preparation, preparation!
Preparing before you apply is key as it puts
you in the strongest possible position. Getting
your credit history and bank statements in
shape, saving for a deposit and maintaining
job stability all strengthen your chances of
securing a mortgage.
02 Meet with a mortgage adviser
Make sure they are not restricted to just
one lender. They will guide you through the
different types of mortgage and fill in all the
documentation for you.
03 Get a mortgage Agreement in Principle
A written estimate of what you can borrow will
enable you to move forward with your house
search confidently. This doesn’t guarantee
your loan as it’s not a mortgage offer, but
some agents will insist you have one.
04 Submit your application
Now you know how much you’re paying for
your new home and exactly how much you
need to borrow, your mortgage adviser can
formally submit your application. You should
get the mortgage decision within 3-6 weeks.
05 On the home straight!
You’re almost there, but be aware that
some lenders will do additional checks after
exchange, but before completion, so ensure
your financial profile doesn’t change during this
period.
06 On completion day…
Completion day is when the money changes
hands, you get the keys and you can move in
and enjoy your new home!
Make an offer on a home£
Complete
Exchange
Call 01344 985 881 today to make an appointment with your local Romans financial adviser.
Your home may be repossessed if you do not
keep up repayments on your mortgage.
There will be a fee for mortgage advice. The
actual amount you pay will depend upon your
circumstances. The fee is up to 1% but a typical
fee is 0.3% of the amount borrowed.
MAB 7861
romans.co.uk/mortgages
Contact us
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