We follow an eight-stage journey for both the buying and the remortgaging process
We’re proud to offer a bespoke service. As part of this commitment, we work with a panel of solicitors and conveyors who we are able to instruct on your behalf; just another way we can make the mortgage process as stress-free as possible.
The journey will be slightly different for each individual, but this will give you an idea of the processes we follow.
1. How much can you borrow?
The first step is to get to know you and understand your requirements. We will also:
- Explain our services and how we can help you
- Explain mortgage costs
- Explain mortgage schemes
- Explain repayment methods
- Complete a budget planner
- Work out how much you can borrow
- Explain how we can protect you, your family and your home
2. Finding your dream home
Part of our bespoke service is taking you all the way from finding the house to moving in and making it a home. Not only will we help you in your search, but we will also give you a complete sales history on the property you are thinking about buying, including:
- How long the property has been on the market
- Any price reductions that have taken place
- Details of any sales that have fallen through
3. Completing the paperwork
We will organise all the paperwork and make the process as easy as possible. We will:
- Recommend the most suitable mortgage scheme
- Recommend appropriate protection arrangements
- Arrange any up-front fees/costs, such as the valuation/survey fee and arrangement fee (which could be added to the loan)
4. Arranging a survey or valuation
The next step is for a survey or valuation to be carried out on the property.
5. Reviewing your mortgage offer
We will then review your mortgage offer and your protection arrangements to ensure everything is in place.
6. Finalising purchase arrangements
We will then explain the next steps and confirm the first payment dates on your mortgage and protection arrangements.
7. Exchanging contracts
You will then be legally committed to purchasing the property and the completion date will be agreed.
8. It’s yours!
With the purchase complete, the property is yours and you can move in! We’ll be there at the end of the phone should you need further support for your property needs, both now and in the future.
1. Your remortgage needs
The first step is to understand your circumstances and needs when it comes to remortgaging. We will discuss and analyse your situation and goals to ensure that remortgaging is in your best interests.
2. Your protection needs
It’s important to safeguard your family and home against unexpected events. We’ll assess whether your loved ones and your home are suitably protected and recommend solutions.
3. Your decisions
As part of the remortgaging process, we will:
- Tailor a bespoke recommendation that suits your short, medium and long-term goals
- Select a suitable lender and mortgage that meets your needs
- Give you time to make your decisions
- Submit the application on your behalf
We will then arrange a valuation on your property to ensure you have enough equity to qualify for the mortgage loan.
5. Remortgage offer
Once all necessary checks have been completed, your offer will go through the approval process.
6. Final checks
Once approved, we will help you to close the loan and complete the paperwork.
The process will then be complete.
8. Put your feet up and relax!
Your remortgage is complete! Time to relax and enjoy the savings your remortgaging efforts will provide. We’ll be there at the end of the phone should you need further support for your property needs, both now and in the future.
When we wanted to change our mortgage provider, we decided to use Oundle & Stamford Mortgage Services and we are so pleased we did! Emma was very thorough and took the time to find us the best options for what we wanted. Very professional and clearly knows her job... would highly recommend. Thank you Emma!
A friend recommended Emma at Oundle and Stamford, and from the first phone call I felt totally at ease, as Emma reassured me that she was confident she could help us. Throughout the mortgage application process, she was professional, knowledgeable, and spent time explaining our options.
We were first time buyers and we were a bit lost in how the whole process works in buying our very first home. Emma was fantastic, she explained things to us every step of the way by phone, email and over WhatsApp messaging, which was very good because if we had a quick question over something we didn't understand we could WhatsApp Emma and she would get back to us very quickly. Both of my brothers have used Oundle and Stamford Mortgage Services and we can all highly recommend!! Thank you so much for helping us move into our new home.
Emma has been amazing from start to finish. She has kept us updated throughout. Answered all questions we have had and even helped with chasing up solicitors and paperwork. On top of that she got us the best deal on our mortgage. Would highly recommend. Thank you, Emma, for all your help.
We are extremely happy with the service that Emma of Oundle & Stamford Mortgage Services provided for us. After struggling for a while to find a mortgage that worked for us with different brokers, Emma seemed to make things work almost immediately. With a fair fee, great communication and an abundance of knowledge with lenders, Emma made the whole process very smooth and stress-free for us throughout.
Our first experience with the property ladder has not been an easy one but we can’t thank Emma enough for her patience and support throughout the entire experience. Emma has come back to emails and phone calls without delayand has offered us great advice along the way. Emma came recommended from a friend and we could not recommend her enough! Thanks, so much Emma!
Emma has been brilliant, making us feel at ease and assured us we had nothing to be embarrassed about! She managed to fit the appointments around our busy family life and gave us lots of different options for our re-mortgage. She has helped us every step of the way. We will absolutely use Oundle & Stamford Mortgage Services again and would highly recommend their services.
Communication with Emma has always been very good whilst negotiating difficulties encountered when dealing with mortgage lenders. It was apparent very early on that Emma was extremely competent and understood the mortgage market well.
Emma is extremely professional and personable; she knows her industry very well and gave me a lot of confidence throughout the entire process. I would have no hesitation in working with Emma again in the future.
Emma was absolutely stand out; not only did she know the in's and outs of every lender and placed me in the best possible way, pushing my affordability to the exact amount I needed, but she was also so personable, came back to me really quickly on all my questions (which was loads as a first time buyer purchasing on my own), I felt really looked after and she even called me when she was on holiday. Thank you so much Emma for helping me get my first mortgage.
St Ives, Cambridgeshire
I was referred to Emma via my previous Mortgage service provider. The service has been fantastic, and I would highly recommend anyone who is looking in the future to use this company! Very professional and customer centric experience! Thank you and well done.
Emma is very friendly, professional, and most importantly, does not give up! After struggling to secure the re-mortgage that I was hoping for (due to reasons of my own doing), Emma came through with an alternative option that I am very happy with. Needless to say, I will be using Emma for all of my mortgage needs moving forward. Thank you again!
Emma has been amazing through the whole process or re-mortgaging! Always made herself available to provide help or guidance! She was willing to answer any question I had, even the silly ones!! Cannot recommend her enough!
I would definitely recommend, Emma answered all my questions and never made me feel silly for not knowing what may seem obvious to some. She has made buying a house so easy. She also travelled to me in Leicester. Thanks Emma.
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Looking for your dream home? Ready to save money on your mortgage? Want to protect your home and family?
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