Park View Mortgages Limited can make it easy for you!

We’re committed to helping you get a mortgage deal that’s just right for you.  Looking for the best product, not from just one provider, but from right across the market.  And that’s just one of the ways we can help you when you want to move home.  Park View Mortgages Limited are with you every step of the way!

Step 1 – initial consultation

Call us on 0161 773 1069 to arrange a time for us to meet you for an initial consultation.  This should take approximately 30 minutes and one of our mortgage advisers will gather the information from you that we require to start the process.

Step 2  - Search the mortgage market

We will then search the mortgage market for a product that best suits your needs, requirements and situation.  We will then send confirmation of our discussion and recommendation in writing.

Step 3 – Complete the application form

Following your agreement to our recommendation, we can send you the mortgage application form to complete, sign and return.  If requested, providing we have the relevant information, we can complete the form on your behalf and send it to you to check, sign and return.

Step 4 – submit application form to lender

On receipt of your signed mortgage application form we submit it to the relevant lender.  We then monitor the progress of your application and keep you updated on a regular basis.

Step 5 – Mortgage Offer

We monitor the mortgage application process from start to finish, enabling you to have complete peace of mind.  After your application form has been submitted, the lender will typically need to carry out a valuation of your new property.

Once this is done and your application has been accepted, a mortgage offer will then be issued by the lender.

Step 6 – appoint a solicitor or conveyancer

You will need to appoint a solicitor or conveyancer who will deal with legal aspects of purchasing your new property and selling your existing property, if applicable.  This process is commonly known as ‘conveyancing’ and it includes researching the property’s legal boundaries, obtaining the legal deeds and advising you on a draft contract of sale.  Your solicitor or conveyancer will also carry out searches and agree a date for completion.  We’ll be more than happy to introduce you to a solicitor who will act on your behalf during the transaction.

Step 7 – Exchange contracts

Once your solicitor or conveyancer has carried out the necessary legal work and the mortgage offer has been made and received by you, the contracts can be exchanged.  Once each party has signed the contracts and they have been exchanged, they are legally binding.  The contracts will include a completion date, which is the date that you take legal ownership of the property.

You will also need to take out buildings insurance so that the property is insured.  Once again, we can arrange this for you.

Step 8 – legal completion

This is the last stage of the process when your solicitor or conveyancer completes the purchase of the property on your behalf.  The Transfer Deed, the document confirming you as the owner of the property, is then sent to the relevant registry so that records can be updated showing you as the new owner.  The property is then legally yours and you can move in.

In some cases, contracts are exchanged and legal completion takes place on the same day.

With one of our team guiding you through the whole process, you can save yourself a lot of time – and headaches!

Your home will be repossessed if you do not keep up repayments on your mortgage.

You can choose how we are paid for mortgages; pay a fee, usually 0.5% of the loan amount, e.g. £500 on a £100,000 mortgage, or we can accept commission from the lender.