[vc_row][vc_column][gem_divider][/vc_column][/vc_row][vc_row][vc_column][gem_quote style=”1″ custom_style=”1″ quote_color=”#8d0509″]We used Heritable Ltd to help us get a “buy to let mortgage” so that we could raise capital to buy a boat. They were professional and efficient finding us a great mortgage tailored to our needs. They were also very kind and supportive explaining all the processes as we progressed. I have now used their expertise twice and would recommend them to anyone who needed advise.
Cheryl James [/gem_quote][vc_row_inner][vc_column_inner width=”1/2″][vc_custom_heading text=”What We Do” font_container=”tag:h2|text_align:left|color:%238d0509″ use_theme_fonts=”yes”][vc_column_text]We offer transparent and bespoke advice, taking the time and effort to ensure our clients receive the best deals that the mortgage and protection markets can offer.
Everyone is unique and every case is different, but we strongly believe we can help you finance your next purchase, remortgage or project. [/vc_column_text][/vc_column_inner][vc_column_inner width=”1/2″][vc_custom_heading text=”some of the areas we specialise in are:” font_container=”tag:h2|text_align:left|color:%238d0509″ use_theme_fonts=”yes”][gem_list]
- Self Employed Individuals
- Buy-to-Let Investors (individuals and companies)
- Buy-to-Let Overseas Buyers
- Partners or other Professionals
- Self-Build Projects
- Retirement Interest Only Mortgages
- High Net-Worth individuals
- Contractors
- Complex Cases
[/gem_list][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][gem_divider][/vc_column][/vc_row][vc_row css=”.vc_custom_1610215800879{background-color: rgba(61,72,78,0.1) !important;*background-color: rgb(61,72,78) !important;}”][vc_column][vc_custom_heading text=”TIME LINE” font_container=”tag:h2|text_align:left|color:%238d0509″ use_theme_fonts=”yes”][vc_column_text]
Your mortgage application typically goes through the following process:
[/vc_column_text][gem_divider][gem_icon_with_text icon_pack=”fontawesome” icon_size=”medium” icon_fontawesome=”f14a” icon_color=”#8d0509″][vc_toggle title=”Fact Find” open=”true”]We collect information relating to income, expenditure, assets and liabilities to ascertain affordability and ensure we can provide you with the most suitable mortgage product.
Click here to see the Fact Find Document[/vc_toggle][/gem_icon_with_text][gem_icon_with_text icon_pack=”fontawesome” icon_size=”medium” icon_fontawesome=”f002″ icon_color=”#8d0509″][vc_toggle title=”Research” open=”true”]We research the whole of the market to find the most appropriate and best deal.[/vc_toggle][/gem_icon_with_text][gem_icon_with_text icon_pack=”fontawesome” icon_size=”medium” icon_fontawesome=”f086″ icon_color=”#8d0509″][vc_toggle title=”Recommendations” open=”true”]We make considered recommendations on the best mortgage based on personal circumstances.[/vc_toggle][/gem_icon_with_text][gem_icon_with_text icon_pack=”fontawesome” icon_size=”medium” icon_fontawesome=”f044″ icon_color=”#8d0509″][vc_toggle title=”Application” open=”true”]We undertake full application on your behalf based on the information provided during the Fact Find stage. [/vc_toggle][/gem_icon_with_text][gem_icon_with_text icon_pack=”fontawesome” icon_size=”medium” icon_fontawesome=”f1ec” icon_color=”#8d0509″][vc_toggle title=”Valuation” open=”true”]It is normal practice for the lender to undertake their own valuation, either at their own cost or at a small charge to the borrower.[/vc_toggle][/gem_icon_with_text][gem_icon_with_text icon_pack=”fontawesome” icon_size=”medium” icon_fontawesome=”f016″ icon_color=”#8d0509″][vc_toggle title=”Mortgage Offer” open=”true”] We will endeavor to obtain a mortgage offer from the lender as quickly as possible. The timescales are normally within 4 – 6 weeks. [/vc_toggle][/gem_icon_with_text][gem_icon_with_text icon_pack=”fontawesome” icon_size=”medium” icon_fontawesome=”f24e” icon_color=”#8d0509″][vc_toggle title=”Conveyancing” open=”true”]A lawyer will be appointed. They will either be selected by the lender or you may choose your own conveyancer. [/vc_toggle][/gem_icon_with_text][gem_icon_with_text icon_pack=”fontawesome” icon_size=”medium” icon_fontawesome=”f00c” icon_color=”#8d0509″][vc_toggle title=”Due Dilligence” open=”true”]Conveyancers will undertake their own fact find, will request a redemption statement (in a remortgage case) and ask the borrower to sign various documents including the Standard Security. [/vc_toggle][/gem_icon_with_text][gem_icon_with_text icon_pack=”fontawesome” icon_size=”medium” icon_fontawesome=”f0d6″ icon_color=”#8d0509″][vc_toggle title=”Draw Down” open=”true”]Conveyancers will arrange a suitable date to draw down monies and the mortgage loan will commence.[/vc_toggle][/gem_icon_with_text][/vc_column][/vc_row][vc_row][vc_column][gem_divider][/vc_column][/vc_row][vc_row disable_element=”yes”][vc_column][gem_icon_with_title icon_pack=”fontawesome” icon_size=”medium” level=”h2″ icon_fontawesome=”f003″ icon_color=”#75263b” title=”Get In Touch” title_color=”#75263b”][contact-form-7 id=”19858″ html_class=”gem-contact-form-white”][/vc_column][/vc_row]