GWT Mortgages & Insurance
Making Mortgages Simple, Protecting What Matters
With whole of market access making sure you
don't miss out on the best deals
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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.
Why Use A Mortgage Broker?
Securing the right mortgage can be a daunting process, but I’m here to make it easy for you. With access to the whole of the mortgage market, I can find the perfect mortgage to suit your unique needs.
I’ll take the time to understand your financial situation and guide you through every step, from your initial application to completion, handling all the paperwork along the way.
Whether you’re a first-time buyer, moving home, or looking to remortgage, I’m dedicated to ensuring you get the best deal available while making the entire process as smooth and stress-free as possible.
The Mortgage Journey
Step 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
Step 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.
Step 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.
Step 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.
Step 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.
Step 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.
Step 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.
Step 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.
Step 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!