Mortgages
Selecting from over 8,000 mortgage products from our computer database which is updated daily, Whole of market mortgage advice from Quotes4Charity CIC takes all the hassle and stress out of choosing and arranging your mortgage. As well as deciding which is the right mortgage for you, our helpful advice team will manage your entire application, taking you through the whole process, online, by email and phone, all the way to successful completion.
As mortgage brokers our services range from basic home buying information to full specialist portfolio arrangements. We can also help arrange more complicated loans such as high income multiple, and property built from non-standard materials.
With over 2 million mortgage transactions a year*, and an average UK remortgage generating a donation of over £100 to charity, we believe we offer an exciting new way for the public to help their favourite charity, whilst getting the help and advice they need.
Our service covers:
- An expert choosing the right mortgage for you – we take the stress out of deciding which mortgage is best from over 8000 products available. We pick the right one based upon your own individual circumstances, and explain why it is right for you.
- Negotiating with lenders – we use our experience and reputation to ensure your application progresses efficiently, and to get lenders to work to our deadlines, so you have your offer and funds available, as soon as possible
- Liaising with surveyors, solicitors etc. – we’ll liaise with your solicitor, chase valuers and do everything we can to make your purchase or remortgage run smoothly
- Getting the paperwork done – we’ll do as much of the paperwork for you as we possibly can, sending you forms for signature and keeping you up to date by phone, email or letter (as you prefer)
Our service guarantee
If you're applying for a mortgage, finding the right deal is only the first step. It can take a while for your mortgage to reach completion. We'll assign a named individual to liaise with your lender, solicitor and surveyor and manage the process right through to getting a satisfactory offer. They'll chase up references, instruct your survey and be the central point of contact for your mortgage application, keeping you updated every step of the way.
What you can expect
Below you'll find answers to some typical questions that show you the high standard of service you can expect from us.
How long does a mortgage take to reach completion?
Your mortgage process should go through three stages: Mortgage offer; from mortgage offer to exchange of contract; exchange of contract to completion.
The length of time each stage takes depends on a number of factors: The chain, how quickly you can organise your paperwork, the speed of solicitors and valuers involved. If you transact through Quotes4Charity CIC, we will take time to understand the timescales you would like to meet and will tell you if they are realistic. We will then liaise with all the professionals involved to try to help you meet your deadlines – and keep you informed throughout.
How often will our team contact you?
Your dedicated Mortgage Associate will do all they can to keep you fully informed by committing to the following:
- Contacting you in the way you find most convenient - by phone or email
- Contacting you at least once a week to update you on progress
- Giving you an estimated date for the next activity every time they contact you
- Answering any of your questions between 8.30am and 5.00pm Monday to Friday (or promising to get back to you within 24 hours if they aren't available when you call)
What if anything goes wrong?
Of course, with so many people involved, problems can occur from time to time during a mortgage application. Having helped people arrange mortgages for many years, we know what to expect ,and how to prevent some of the problems before they happen.
If something does crop up, rest assured we'll address it as quickly as possible. And of course, we'll always keep you fully informed.
Please note that all calls may be recorded for training and monitoring purposes
Commercial mortgages and Buy to let mortgages are not typically regulated by the FSA
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Call 0800 043 1900 or complete the application form below
*Council of Mortgage Lenders Gross Lending Figures January 2008