Client Journey | Oundle & Stamford | Oundle, Peterborough

Client Journey

Our goal is to take the stress out of mortgages so that you have more time, peace and energy to enjoy your new home or arrangement.

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

4. Valuation

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.

7. Completion

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.

Client testimonials

I truly believe Emma went above and beyond to ensure all my needs were met and that I got the best available loan at the lowest possible rate. I would recommend Emma to anyone looking for a mortgage. She was superb.


Wendover, Buckinghamshire

Our meetings with Emma helped us feel at ease, and her expertise was most helpful. She was friendly and clearly passionate about her work and helping us. We could not recommend her more highly and will be using her services again should we buy another house.

Simon and Amy


We visited Emma when we were buying our first home. She gave us excellent, clear advice with no fuss, no pressure and no hidden catches. We’re delighted to have finally got onto the property ladder and cannot thank Emma enough for her help.

Simon and Louise

Oundle, Northamptonshire

Emma very much put our minds at ease. She explained each step of the process in simple, understandable terms. The main benefit for us was the way Emma took away the stress. With her help, the whole process was quite relaxed and went quicker than we thought it would.

Sean and Abbie

East Northamptonshire

Emma went above and beyond in order to help me look for properties and offered to set up viewings if required. She was a huge benefit in helping me find and move into my new property and I would have no hesitation in both recommending Emma and using her services again.



We have dealt with Emma for over four years with regards to our mortgage requirements. Her friendly, professional and detailed approach left us with no doubt but to call on her expertise for future house purchases. We always recommend her to friends and family.

Ian and Ellen


We felt completely at ease to ask questions (no matter how silly they may have seemed at the time) and they were always addressed in a clear, concise and timely manner. The sale is now complete. We simply could not have done it without you help. Thank you, Emma.

George and Chloe


Outstanding bespoke service from start to finish! Emma guided me through the process brilliantly. I would definitely recommend her and look forward to working with her again in the future


St Ives, Cambridgeshire

In the process of looking for my first home, Emma has been so helpful. She helped me understand all my options, was always on hand when I needed to ask any questions and helped me no end with forms. Glad I've chosen this company to help me and make my experience as simple as can be.


Rushden, Northamptonshire

Fantastic experience using Emma O'Neill. As a first-time buyer, she invested a lot of her time to help explain everything in great detail, gave me plenty of mortgage options and helped work out what was best for my personal needs. Not only was she always on the end of the phone if I had questions about the mortgage, but she also helped explain the whole process and advised me on what steps I had to take to ensure the purchase of my first home. All in all, Emma made the whole experienced very relaxed and I would recommend to anyone looking for mortgage advice



An extremely personable adviser who was more than generous with her time! She answered all my questions (even the slightly silly ones) and kept the other parties informed of the progress throughout. I couldn't recommend her services enough! I will definitely be using her again!


St Neots, Huntingdonshire

I've used Emma to organise my mortgages for the past five years and every time she delivers. She has a methodical approach; she knows the market and where to get the best deal to match my needs and circumstances. I can't recommend her highly enough and can't see myself using anyone else in the future.


Ramsey, Cambridgeshire

We had our first meeting with Emma, and she was great. We wanted some advice on how to get started on a mortgage and she provided us with some really helpful advice. We now know what we need to do to get on the property ladder and have a much better understanding of the options available. We are very excited to get started and really looking forward to working with Emma in the future.


St Ives, Cambridgeshire

We've used Emma twice now and I'd highly recommend her to anyone. She really knows her stuff and is very efficient and organised. She is very friendly and completely puts you at ease and makes the whole process seem simple and stress-free.



A big thank you to Emma for my appointment today. She offered some really good advice and was so helpful! I feel so much better after talking things through with her now she has made things a lot clearer!


Upwood, Cambridgeshire

Fantastic service, very knowledgeable and offered some excellent rates for our renewal. Emma is very professional, offering us appointments at a convenient time. I would highly recommend this company.


Ramsey, Cambridgeshire

I've used Emma twice for mortgages. She is fantastic. Takes her time, very supportive and patient, even when the kids are getting restless. Nothing is a silly question and she got back to us really quickly. Would recommend her all day every day.


Warboys, Cambridgeshire

Emma is amazing - what a great communicator. She knows her stuff and couldn't do enough to take away the stress and strain. Emma made the whole process quick, simple and straightforward. I will use her time and time again for my mortgage advice


Eye, Peterborough

I’d just like to thank Emma for her help with arranging some Life and Critical Illness Cover for myself and my partner. We had no idea of what was out there and what exactly we could be covered for, but now us and even the kiddies have cover which has put my mind at ease. Thanks Emma.


Oundle, Northamptonshire

Emma set up my very first mortgage and mortgage review when working previously to Oundle & Stamford Mortgage Services and has now completed an income protection policy for me to add to my Life and Critical Illness cover. It's always been effortless on my part, with Emma being able to achieve the best products at the best costs whilst now providing peace of mind that me, my family and income are protected should anything happen. A service we only have positives for, we wouldn't choose anyone else to help us in the future. Thanks again.


Yaxley, Peterborough

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