Speaking to a mortgage adviser
Once you've got an appointment to speak to a mortgage advisor, you might be wondering what actually happens.
We explain all below...
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1. Add your details online
No 2-hr phone calls or branch visits. It takes a few minutes to tell us what you need from your next mortgage online
2. Choose how & when to speak to your broker
ASAP? Or choose the perfect time - 6 days a week and evenings
3. Get your mortgage with Mojo
We’ll check and chase to help avoid delays. Get regular updates from your broker and case manager
What happens at an appointment with a mortgage adviser?
If you're planning to buy your first home, meeting with a mortgage advisor can be daunting, but at Mojo Mortgages, we're all about supporting your best interests, whether you're a first-time buyer or further along in your home ownership journey.
Nobody relishes the thought of having their financial details scrutinised - but with Mojo's innovative approach to mortgage appointments you can complete the first part online in around 15-minutes, divulging nothing more personal than your annual income.
We present you with available mortgage deals that you can apply for right away. Then simply schedule a quick call and one of our experts will guide you through the application process. This same advisor will remain by your side throughout your home buying journey, providing assistance whenever needed.
How to prepare for your meeting with a mortgage advisor
We’ll be best able to help you if you can provide as much detail about your needs and circumstances as possible. This includes:
- 1.
Details about your property
- 2.
Deposit size
- 3.
Income and outstanding debts
- 4.
Any dependents
Later on in the process we’ll need to see evidence of all of the above to get your mortgage in principle sorted, but first we’ll need to get to know you a little better?
What does a mortgage advisor ask at the first appointment?
- 1.
What type of property are you interested in? e.g main residence, second home, or investment
- 2.
What location and price range are you looking at and do you have a property in mind yet? It’s usually best to hold off on your search until you have a mortgage in principle in hand
- 3.
What type of mortgage are you looking for? Do you know the difference between fixed-rate and variable-rates, how long of a term do you need and are there any important features you’re looking for in a mortgage?
- 4.
Do you have a deposit, how much is it and is it all savings? For example, some people use gifted deposits, or home ownership schemes
- 5.
Do you already have a mortgage in principle? Have you been to any other brokers or lenders directly to ask about a mortgage and received a mortgage in principle, for example
- 6.
Do you have any special financial circumstances?Are you self-employed or have irregular income?
- 7.
Have you considered your long-term financial goals? Do you plan to move within 5 years, do you have an imminent promotion etc
- 8.
Do you have any questions or concerns about the mortgage process? If so we can ensure everything is clear to you before you proceed
Ready to be clear about your mortgage options?
Mojo Mortgages is an award-winning online mortgage broker. Let's get you the best rate you can... for free, all from the comfort of your sofa.
