Mortgage Process
Beginning contact
There are innumerable mortgages available in the market. How would you know which one is for you unless you are completely aware of the pros and cons of these? We have experts in the field, and they will guide you to the possible mortgage solution for your needs. We at DM Financial Services will offer you our expert advice after closely working on your circumstances and goals. Only after a thorough examination will we give you the decision.
You are free to choose the mode of your application - via telephone or through a meeting with an expert at our workplace.
Face-to-face meeting with a mortgage broker
The first meeting may take up to one hour. In this meeting, our expert will generally ask you a few questions to clarify how DM Financial Services can help you in the possible way. After this initial meeting, we will then furnish you with our 'About us' and 'Customer Agreement' reports. After having a detailed analysis of your data (residency, financial situation and credit history), we will then decide the mortgage lender for you. Should you have any credit-related issues because of any past missed or late installments, we will ask you for a late credit report. Along with the credit report, we suggest you bring Identification documents like a passport and recent address proof, such as a Utility Bill issued in your name.
After all questions from our side, our expert will answer all your inquiries. In addition, the expert will give clarifications on home loan types, financing costs, the home loan process and the extra expenses of purchasing a home. The only purpose is to make sure that there are no curveballs as you continue through your application.
After the initial meeting
Based on the data provided, the allocated representative will then scrutinize the entire mortgage market for you. Once he arrives at the most reasonable product that meets your individual circumstances, he will advise you. Once you find it good to go, we will then organize a mortgage Agreement in Principle. Be worry-free; your expert will supervise every part of your application, and he will answer all questions in respect to your application.