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Our Process

Make the right choice

We understand that there may be a lot of confusion when searching for the right company to go with, that’s why we want to make the process for you as simple as possible. Get in touch with us and we’ll guide you through this process.

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  2. Our Process

TheProcessWe’ll work with you to create a personalised financial plan.We will create a bespoke plan to help you achieve your immediate goals. This will include a detailed fact-find from which we will create a personal mortgage and protection recommendation.

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Step 1 – Initial Meeting

You will meet with us either face to face, on the phone or through a digital video meeting held over the internet.  It typically lasts one hour.  At our initial meeting, we will aim to get an in-depth understanding of your immediate needs, your financial goals, your current financial situation and your attitude to risk and any time constraints you may have.

The initial meeting will not cost you anything and you do not have to take up our services at this point.

Next steps – we will explain how we can help you. We will provide clear information of our fees and how these can be funded.  Our costs will always be agreed with you before any work is carried out.

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Step 2 – Strategy

Once we understand your goals, we will analyse your current financial situation.  Where appropriate, we will create an income and expenditure statement. This will show whether you will be able to afford the mortgage both now and in the future. It will highlight any gaps and it will set out how you can achieve your financial goals and address any immediate needs.

 

Step 3 – Recommendation and Implementation

When we have agreed a strategy, we will research products that will help you achieve your goals.  Once we’ve determined the most appropriate product, we’ll select the right one for you.  Using sophisticated sourcing software, we’ll find the most appropriate product from the whole of the market, that matches individual circumstances to the mortgage lenders’ lending criteria.

Our recommendations are documented in a report which outlines how these will meet your objectives and will detail any disadvantages, if there are any.

Once you are happy and have agreed to our recommendations, we will put in place the solutions on your behalf.

Step 4 – Review

Your personal circumstances and goals are likely to change throughout your life. So, ongoing reviews, advice and financial coaching are essential to make your plans continue to meet your financial aims. We will, where appropriate, agree regular review meetings with you so that you stay on track for your best possible financial future.