Roxburgh Group Mortgage Services

A home buyer can obtain finance (a mortgage) either to purchase or secure against  property from a financial institution, such as a Bank , Building Society or Credit Union.

Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. It is therefore essential to take unbiased advice to ensure that you are getting the deal that is right for you and not the lending institution.

Before you begin your mortgage application, there are certain key things you’ll need to consider, and we'll help you through the mortgage process. The Roxburgh Group mortgage process is briefly explained as follows:

Step 1 - See If You Qualify For A Mortgage

When you’re looking to take out a mortgage, there are a number of factors that can influence what certain lenders are prepared to lend over others. We use sophisticated mortgage sourcing tools to help us find the right deal for you.

Step 2 - Choosing The Right Mortgage For You

When you know how much you can borrow and are comfortable with the repayment amounts and method, you'll need to consider the product that best suits your needs. With literally hundreds of products to choose from this can be quite daunting therefore taking independent mortgage advice is essential.  We use sophisticated mortgage sourcing tools to help us find the right deal for you.

Step 3 – Application And Processing.

We complete all the mortgage paperwork with your assistance and submit this to the selected lender for processing with all the  required supporting documentation.

We will liaise with your solicitor, surveyor and the selected lender to help ensure that the Offer of Loan is prepared in advance of your move in date. It is also important to make sure that you have appropriate life assurance and buildings insurance in place.

* There may be a fee for mortgage advice. Typically this will be £250 and will depend on your individual circumstances. This will be discussed and agreed with you prior to us undertaking any instruction.

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