Mortgages

finding the right one for you

We understand that the many different mortgage products on the

market can be confusing. To help guide you through the process

of acquiring the right mortgage for you we have an expert team of

highly experienced, local financial advisers on hand to support you

through the entire process, from an initial conversation right through

to completion.

Our advisers take the time to understand your situation and utilise

their in-depth market knowledge to help you find the right mortgage

for your circumstances.

Don’t wait until you find your perfect home before arranging

your mortgage.

So that you are in a strong position to purchase, it is recommended

that you arrange your mortgage before you find a house you want to

buy.

Having your mortgage offer confirmed means you know exactly how

much you can borrow, so you are able to move quickly when the

time is right.

A mortgage that suits you

Expert mortgage advice atRomans Mortgage Services

Challenge us to save you money on your mortgage.

We’ll search over 11,000 mortgage products from

90+ UK lenders to find the right one for you.

Drop in to your local Romans branch or call

01344 985 881 to make an appointment.

Moving home

Buy-to-let

First-time buyers

Remortgage

BUY TO LET

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Professional mortgage advice

Romans offers professional advice which will be specifically

tailored to your needs and circumstances whether it is for your

first home, moving home, investing in property or remortgaging.

And in contrast to high street lenders who will only offer you their

products, our expert advisers will search the mortgage market.

In fact, we will compare over 11,000 mortgages from over 90

different lenders to find the one that suits your needs. We also

offer a range of exclusive rates you won’t find anywhere else on

the high street.

Peace of mind

The market can be highly competitive at times, resulting

in multiple offers on the same property. By using Romans

Mortgage Services, we can validate the offer you put forward to

the vendor. This is highly desirable to homeowners looking for a

quick and assured sale.

Seamless communication between our mortgage advisers and

Romans’ sales staff ensures all parties are kept informed at all

times. This allows us to take control and ensure your purchase

progresses as smoothly as possible.

A personal mortgage service

We believe in a personal service, so you’ll deal directly with your

own dedicated mortgage adviser. They will take care of everything

for you, so there’s no need to worry about meeting deadlines or

struggling through lengthy documents on your own.

Your mortgage adviser will be your dedicated point of contact

from day one and will be on hand throughout your purchase to

answer any questions or concerns you may have.

Our advisers are based across our entire branch network covering

Berkshire, Buckinghamshire, Hampshire, Middlesex, Oxfordshire

and Surrey. They are used to working to very tight deadlines

so can meet with you at short notice and will progress your

application as quickly as possible, avoiding potentially costly

delays.

Finding the right mortgage for you

Thinking of putting an offer on a property?

The chances are you may not be the only

one, so it’s important you ensure you use a

mortgage adviser who will understand your

needs and be in a position to work quickly and

effectively on your behalf.

iRemember you don’t have to purchase

your property through Romans to use

our mortgage services.

6 easy steps to securing the right mortgage for you

Begin looking for your new home

01 Preparation, preparation!

Preparing before you apply is key as it puts

you in the strongest possible position. Getting

your credit history and bank statements in

shape, saving for a deposit and maintaining

job stability all strengthen your chances of

securing a mortgage.

02 Meet with a mortgage adviser

Make sure they are not restricted to just

one lender. They will guide you through the

different types of mortgage and fill in all the

documentation for you.

03 Get a mortgage Agreement in Principle

A written estimate of what you can borrow will

enable you to move forward with your house

search confidently. This doesn’t guarantee

your loan as it’s not a mortgage offer, but

some agents will insist you have one.

04 Submit your application

Now you know how much you’re paying for

your new home and exactly how much you

need to borrow, your mortgage adviser can

formally submit your application. You should

get the mortgage decision within 3-6 weeks.

05 On the home straight!

You’re almost there, but be aware that

some lenders will do additional checks after

exchange, but before completion, so ensure

your financial profile doesn’t change during this

period.

06 On completion day…

Completion day is when the money changes

hands, you get the keys and you can move in

and enjoy your new home!

Make an offer on a home£

Complete

Exchange

Call 01344 985 881 today to make an appointment with your local Romans financial adviser.

Your home may be repossessed if you do not

keep up repayments on your mortgage.

There will be a fee for mortgage advice. The

actual amount you pay will depend upon your

circumstances. The fee is up to 1% but a typical

fee is 0.3% of the amount borrowed.

MAB 7861

romans.co.uk/mortgages

Contact us