Jack Gear Mortgage Advice | Mortgage Broker in Bude, Cornwall

What do we do?

You tell us what your goals are and what you want to achieve, and we do our best to make it happen.

Covering all aspects of mortgages and property lending, we pride ourselves in being the easiest people to approach and talk to, whilst doing all the hard work behind the scenes.
‍
You get to sit back and just enjoy the process of buying your first home, your second home or whatever it is you're trying to achieve.

We offer every type of mortgage consultation, all to suit your style. If you’re happier dealing with things over email, phone, zoom or face to face, we’ve got you covered.

Step 1

Plan of action

In the first meeting/phone call, its all about you.

We want to know exactly what your goals are and what your trying to achieve and explain to you what is required to get there.

For example, we’re first time buyers, we have a £30k deposit, we earn x amount and we’d like to know what our maximum budget is and how much its going to cost. OR, we have equity in our property and would like to try and buy our second property, can we do this and how does it work?

We figure out the aims and come up with a plan. Not just the mortgage, but EVERYTHING that goes with it.

Step 2

Documents and research

We will require, as will most lenders, document evidence of all the key info we use.
‍
Proof of income, outgoings, identification etc. with these key documents, along with exactly what your trying to achieve, we go away, do our research and come up with a plan.

If required, we’ll get you the mortgage in principle you require, and we do this ALL FOR FREE.

Get mortgage ready here

Step 3

Present

This is where we come back to you with our plan.

We will be able to tell you EXACTLY how much you could borrow, what rates and monthly payments your going to be paying, and cover off all the fees included, if any.

With this information and the mortgage AGREED IN PRINCIPLE, your ready to view properties and put offers in knowing exactly how much it's going to cost you goings forward.

Step 4

Apply

Having found your property and a sale price agreed, this is where we would plan to talk/meet again, tweak the numbers to fit and APPLY.

We will also cover off making sure you have a suitable solicitor ready, and all the relevant insurances set up if required.

Step 5

We don't stop there

Once we’ve applied, we not only keep in touch with you about the progress of the application, but we keep track of everything needed right through until the day you collect your keys.

We make sure absolutely everything falls into place for you, so you can sit back and just enjoy the process and most of all, THE OUTCOME!

Step 6

We’re still here to help

We understand that our help doesn’t end when you get the keys and finally get to sit down on that new sofa with your favourite takeaway the evening you move in.

‘What happens when my first mortgage deal ends’ or ‘what happens if our circumstances change’ are questions you will find yourself asking.

What ever it is, we’re the people to ask, and we’re going to be on hand to guide you through all the changes and situations you encounter with your new mortgage or property.

The modern day Mortgage Broker

What do we do?

Interested? Request a call back today