How To Get A Mortgage - Mortgage Advisor Wigan

The Mortgage Process

Personalised Solutions, Every Step of The Way

SGB Mortgages strive to keep the mortgage process as simple as possible for all our clients. We will run you through every step of the process, so you have clear checklist of things that need to be completed.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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SGB Mortgages

Your Mortgage Journey

Step 1 – Are you ready?

Speak with a mortgage adviser such as SGB Mortgages to assess if you are ready to buy a home. We will look at your affordability and deposit amount to see exactly how much you can borrow and assess what type of mortgage is right for you.

Step 2 – Mortgage In Principle

Get a mortgage in principle to test your eligibility, you will be credit checked and provided with a mortgage in principle which will outline how much you can borrow.

Step 3 – Find Your Home!

Now the fun can begin, start searching for your dream home, view as many as you can and make a clear list of criteria of what you want. You can begin to negotiate a price a with the seller. Don’t be afraid to start slower and work your way up. We can also assist with all negotiations.

Step 4 – Applications

Once you have found your home it’s time to apply for your mortgage! We will prepare all your documents to send to your lender and solicitor to begin the process of your application for your mortgage and protection.

Step 5 – Mortgage Offer

Once the documentation is checked and accepted by your lender, after the valuation has been completed you will be provided with a full mortgage offer. We will then review everything and check it through with you to ensure you are happy.

Step 6 – Preparing For Purchase

Once you are happy with everything the documents will be sent off to your solicitor so they can prepare for the purchase. This is often then longest part of the process, but SGB Mortgages will keep you updated throughout.

Step 7 – Exchange of Contracts

A Crucial part of the process, this is where the sale becomes legally binding. You will be required to sign a mortgage deed, further contracts, and a transfer of equity form. Your deposit is then sent to your solicitors. Don’t worry we will guide and talk your through everything that needs to be signed.

Step 8 – Moving Day!

Once everything is approved you will be provided with a date to receive the keys, the home is yours and you can begin the process of moving into it. While some non-chain homes settle things quicker, they may be longer waits for chain homes.

    
 
 
         
   Rebekah Khan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Stephen has been nothing short of amazing, from having our offer accepted on a house to having a mortgage in place 4 days later Stephen definitely knows what he is doing and maintained clear communication with us each step of the way, searching for the best possible deal for us and keeping us informed. I am in awe at both his ability and professionalism throughout the process. The whole process so far has been incredibly smooth thanks to Stephen, he is clearly experienced and knowledgeable in this field, anybody considering using him will be in very good hands, I can’t recommend him enough!
  
 
        
   Alicia 
 
 
 
 Trustindex verifies that the original source of the review is Google. Really great experience with Stephen - took time to understand our requirements. And when something changed mid way through the process was on hand to help us out and find the right outcome. Personable and friendly and easy to contact throughout
  
 
        
   Margaret Burns 
 
 
 
 Trustindex verifies that the original source of the review is Google. Stephen looked after me and my son to purchase our forever home excellent service thank you 😊
  
 
        
   Amanda Dickson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely brilliant service, Stephen was so quick to respond and chase things up for us. He was also very thorough with the mortgage services.
  
 
        
   Mark Bentley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Stephen when it comes to getting a mortgage. Very knowledgable and will get you the best deal for your situation. Very quick with responses and answers any questions you might have. Makes the whole process so much easier.
  
 
        
   Keith Alty 
 
 
 
 Trustindex verifies that the original source of the review is Google. Stephen got our mortgage within 24 hours. He is efficient, reliable, communicated with us throughout the entire process. Nothing was too much. Would highly recommend.
  
 
        
   Richard Dunham 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t recommend Stephen at SGB Mortgages highly enough. He made the entire mortgage process simple, straightforward, and completely stress-free from start to finish. Stephen was always available to answer any questions I had, no matter how small, and kept me fully updated at every stage of the process. His knowledge, professionalism, and friendly approach made a potentially overwhelming experience feel easy and manageable. If you’re looking for a mortgage advisor who genuinely goes above and beyond, Stephen is the one to choose. Highly recommended!
  
 
        
   Holly Calladine 
 
 
 
 Trustindex verifies that the original source of the review is Google. Stephen has been amazing. His response time is outstanding and no task has been too big. He is so helpful and so proactive, I couldn’t recommend him more! From contacting Stephen, to viewing a house, getting an offer accepted and then having a mortgage offer accepted, it only took 10 days!! I honestly cannot believe it. The service so far has been great. Highly recommended.
  
 
        
   Arunas Bikauskas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience! He works on his own but is very professional. He helped me find a reliable solicitor and assisted with insurance. Highly recommended
  
 
        
   Nathan Webster 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ste is a great guy, very attentive and sorted our mortgage smoothly and quickly. Great communication, thanks again!