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Access To Over 90 Lenders And 12,000 Mortgages
Evenings and Weekend Appointments
Expert Advice
Because we play by the book we want to tell you that...
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may 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.
Simplify Your Mortgage With Us
Forward Step Mortgages & Finance, based in Pontypool, offers expert mortgage advice and personalised service to clients across the UK. With over a decade of experience, we assist first-time buyers, those looking to remortgage, and property investors. We aim to simplify the mortgage process, ensuring you secure the right deal to suit your circumstances. We provide flexible appointment options, including phone, face-to-face, and video calls, making it easy to get the advice you need when you need it. Contact us today for more information.
Our 3-Step Mortgage Process
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Step 1: Initial Consultation And Goal Setting
We begin by getting to know you, understanding your goals, and discussing mortgage options. This initial consultation is crucial for identifying the right path forward.
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Step 2: Document Review And Mortgage Selection
We gather and review your documents to find the proper mortgage for your needs, assess your circumstances and priorities, and explore protection options to secure your home.
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Step 3: Application To Completion
We manage your application from mortgage offer to completion, providing hands-on support to ensure a smooth experience and help you achieve your homeownership dreams.
What's Involved In Getting A Mortgage?
When applying for a mortgage, you'll borrow money to purchase a home, undergoing a thorough evaluation of your finances, credit score, and deposit source by lenders. Understanding interest rates and mortgage conditions is critical. Providing proof of income, employment verification, and other documents is also necessary, with requirements varying by lender and mortgage type. Lenders also conduct affordability assessments, considering factors like income, expenses, and credit history to determine borrowing capacity and monthly repayments. Deposits play a crucial role, varying by mortgage type and lender requirements, with options including higher loan-to-value mortgages for first-time buyers and assistance from family members.
Eligibility For Mortgages
Anyone meeting the lender’s criteria and able to afford the repayments can get a mortgage. Depending on their specific needs, different types of mortgages may suit other people. Adding someone to a mortgage (such as a spouse or partner) is also an option, but it’s essential to consider the implications of joint ownership. Consulting a mortgage adviser is recommended to navigate these options and find the right solution.
Consult A Mortgage Broker
Let Us Help You Navigate The Mortgage Market And Find The Suitable Deal For Your Needs.
