Our Approach
Our aim is to provide a seamless process when buying your new home by taking away the strain of what can be a stressful time.
Mortgage Application Process
This is the process we use for all of our customers, to ensure we get it right first time and offer a product which meets your individual and unique needs.
Our aim is to provide a seamless process when buying your new home by taking away the strain of what can be a stressful time. We have set out below the various stages for a mortgage application:
Step one:
Initial consultation
This is to understand your personal circumstances and details of purchase
Step two:
Collation of documents
Typically this would include a personal factfind, identification, income verification, address verification and credit reports
Step three:
Market research
Visionary Finance explore finance options available to you by discussing with your bank of lenders
Step four:
Post-submission application
Once a suitable lender is found, the formal process is started with your preferred lender and the application is submitted
Step five:
Following submission
Visionary Finance will liaise with your lender during the underwriting phase. Our client liaison team will be in regular contact with the lender to push your case through to mortgage offer. You will be kept updated throughout the underwriting process
Step six:
Mortgage offer issued
All lender and underwriting requirements will have been satisfied, an offer will be sent to you and your solicitor so the legal process can be completed