Making Mortgages Simple, Protecting What Matters
With whole of market access making sure you don’t miss out on the best deals
View our First-Time Buyers guide below.
First-Time Buyers Guide
Start your home ownership journey with confidence using our First-Time Buyers Guide. Packed with expert tips, clear explanations, and practical checklists, it helps you understand every step of buying your first home. Learn how to budget, secure the best mortgage, and avoid common pitfalls.
All in one easy-to-follow guide designed to make your move simple and stress-free.
Mortgage & Insurance Services
First Time Buyers
Buying your first home is exciting, but it can feel overwhelming. I guide you every step of the way, explaining your options clearly and helping you secure the best deal for your new chapter.
Remortgage
Time to renew? Whether you want to save money, release equity, or switch to a better rate, I’ll find a remortgage deal that suits your needs.
Insurance
From life cover to income and home insurance, I provide tailored protection that keeps you and your loved ones safe, giving you peace of mind no matter what lies ahead.
Moving Home
Upgrading or downsizing? I’ll help you find the best mortgage for your new home, so you can focus on the move.
Buy to Let
Thinking about property investment? I can help you navigate the complex world of buy-to-let, ensuring your investment works for you.
Specialist Mortgages
Have unique circumstances? I work with a wide range of lenders to help clients with adverse credit, self-employment, or other challenges.
GWT MORTGAGES & INSURANCE
Welcome to GWT Mortgages & Insurance, where friendly, expert mortgage and protection advice meets personalised service.
As a dedicated mum and experienced professional, I understand the importance of securing your family’s future. Whether you’re buying your first home, refinancing, or looking for the best protection for your loved ones, I’m here to guide you every step of the way.
My approach is simple – offering clear, honest advice tailored to your needs.
Let’s work together to build a secure future for you and your loved ones.
GWT
The Mortgage Journey
1. Initial Consultation
In this first step, I’ll sit down with you to discuss your financial situation, property goals, and any concerns. This can be done in person or via a virtual meeting. We’ll assess your borrowing potential and outline your options
2. Mortgage Agreement in Principle
Once I have all the necessary details, I will secure a Mortgage Agreement in Principle (AIP) for you, so you know how much you could borrow. This gives you confidence when making offers on properties.
3. Property Search & Offer
With the AIP in hand, you’re ready to start searching for your dream home. Once you’ve found the right property, I’ll guide you through the process of making a formal offer to the seller or estate agent.
4. Mortgage Application
Once your offer is accepted, I will help you complete the mortgage application. I’ll liaise with the lender and gather any additional documents required, ensuring a smooth process.
5. Valuation & Underwriting
The lender will arrange a valuation of the property to ensure it is worth the agreed price. During this time, the underwriting team will review all documentation to formally approve your mortgage.
6. Mortgage Offer
Once everything is in place, the lender will issue a formal mortgage offer. I’ll review the offer with you to ensure you are comfortable with all the terms before proceeding.
7. Legal Work
Your solicitor or conveyancer will handle the legal aspects, including property checks, contracts, and any negotiations. I’ll continue to work closely with them to ensure a timely process.
8. Exchange of Contracts
This is the exciting stage where you exchange contracts with the seller, making the sale legally binding. At this point, you’ll also pay the deposit.
9. Completion
Once the final mortgage funds are transferred and the legal process is complete, you’ll get the keys to your new home! Congratulations!
Testimonials
Georgia is great! So helpful, goes through everything thoroughly with you and is willing to help with anything.
Has made this stressful situation so much easier!
Would recommend to everyone
Incredibly helpful and informative. As a first time buyer Georgia guided me through the process and was available to answer my questions at every turn. Would thoroughly recommend her service
Georgia is an amazing mortgage advisor who truly goes above and beyond. She guided us through every step with care, professionalism, and dedication, finding the best deal for our unique situation and even renegotiating when interest rates changed to save us money. Her commitment, communication, and personal touch made the whole process completely stress free. We couldn’t recommend her more highly.