Managing your application

Once you have accepted an offer, your consultant will manage your application all the way to completion, keeping you fully informed every step of the way. Typically, this involves:

  • Chasing surveyors to attain an accurate valuation on the property involved
  • Liaising with the chosen lender to obtain a firm offer, letting you know if additional information is needed or if complications arise for any reason
  • Talking with your solicitor to keep everything on track
  • Maintaining regular contact to keep you informed
  • Confirming exchange or completion details
  • Confirming telegraphic transfer of funds
  • Keeping an audit trail of all actions so you know exactly who said what, when

Related links

Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FCA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.