Our fees – Mortgages

At One Stop Finance our fees are payable on production of the mortgage offer.

Our Application process has the following stages:-

1. We speak to you and identify that we can help.
2. We arrange a meeting where we complete a full confidential fact-find to ensure we have all the information to enable us to make a recommendation.
3. We obtain all the necessary documentation from you required by the lender, following the requirements of our compliance department.

We now recommend that our clients obtain a copy of their credit report. It is a Lending requirement for applicants to record all of their credit liabilities on the day of application. Having sight of a credit report allows us to overcome any blips in your credit history by placing your application with the most appropriate Lender.

4. We research the market to establish which products would be most appropriate to your circumstances and shortlist the lenders that meet your criteria.
5. Our research covers standard mortgage products, Private Banks and products available on the High Street and also exclusive products only available through brokers or those available to us through our network Quilter Financial Planning. We are a whole of market mortgage broker.
6. We present our recommendations and provide you with detailed advice.
7. We produce a Key Facts Illustration, which details the costs involved and monthly payments. This is an Financial Conduct Authority prescribed document, which ensures information is presented uniformly.
8. We approach the selected lender and obtain an Agreement in Principle subject to full underwriting and valuation.
9. We complete a full mortgage application and submit it to the lender.