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What to Expect From Your Initial Appointment

Your first appointment is a chance for us to get to know each other properly, but more importantly it's an opportunity for you to get a better understanding of your options and the mortgage process. The goal of the meeting it to help you feel confident in these options so that you can make well informed decisions. we'll also put together a budget document so when the time comes for you to submit an offer on a property, you can do so, confidently. Let's dive into what you can expect from this initial meeting.

1. Understanding Your Property Goals

A mortgage is a long term commitment.

When we get to know a client it's important for us to fully understand your lifestyle now, your budget preferences, and where you want to be in the future.

All of this will help us to create a personalised purchase/financing budget that works for you now, and in the future.

Reviewing Paperworks

2. Reviewing Your Current Financial Situation

As a first step it's essential to understand your financial situation. 

We'll review critical aspects of your finances and circumstances such as your income, expenses, savings, and existing debts.

This analysis allows us to assess your affordability accurately and identify potential opportunities or challenges.

3. Reviewing Your Documentation

As we move through the process we'll need to review your documents to make sure that we are always giving you accurate information, the more documentation we have at this initial appointment the better. you can expect a request for the following documents

  1. ID - Passport or Drivers License

  2. 3-Months Payslips

  3. Payslips of any Annual Bonus (2-yrs)

  4. 3-Months Bank Statements

  5. 2-Years SA 302's if Self Employed

  6. 2-Years Company Accounts if a director of a Ltd Company

  7. Proof of Deposit 

  8. Your Credit Report

4. Addressing Your Questions

The goal from us as an advisor is to help demystify the process and give you more control in your decisions. Your first appointment is the perfect opportunity to ask any questions you may have. We can help by giving advice suitable to your personal circumstances, about different mortgage types, interest rates, repayment options, or any other aspect of the home buying process.

Please feel free to ask any questions that have been on your mind, we want you to get value from this meeting and come away feeling confident in the path ahead.

5. Determining Your Budget

Following our discussion about your property goals and the review of your financial situation, 
we'll conduct extensive market research across the whole of the market.

This research is fully anonymised and will not impact your credit rating. 

 Our research will consider your personal affordability, preferred budget, term, interest rates, repayment terms, and other essential factors discussed during the meeting.


We'll take into consideration your specific circumstances when we're considering different lenders to be able to provide you with a maximum budget with the lenders that work best for you.

6. Receiving Your Budget Document

Once our market research is complete, we'll prepare a comprehensive budget document for you.
The budget document will be emailed across after the meeting.
This document will outline the maximum budget available to you and the monthly payments based on todays rates (these rates will change and we'll provide updated recommendations when you have an offer accepted).
If this maximum lending falls outside of your outlined maximum mortgage payment expectation we'll also include alternate options that fit your lifestyle.
Armed with this information, you can feel confident as you view properties, and submit your purchase offer.

I hope this all helps to give you an idea of what to expect.
We'll be here with you every step of the way to keep every stage transparent and easy. So, please do call or message at any time to talk it all through.

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