Our fantastic, brilliant customers

If Find My Mortgage was just Neil it would be a fairly lonely old place to be.

That’s why we think of our customers as much a part of this business as we are.After all, without you Find My Mortgage wouldn’t exist and please believe us when we say that we’re well aware of that fact.

If we’ve learned one thing in all our time in business it’s this: all our customers are different, with different needs and wants.And that’s how we work… every customer is different.

Having said that we provide help and advice in four main areas.You can click each one of these links to find out how we work with each group of customers:

• First time buyers
• Home movers
• Landlords (new and existing) looking for a Buy to Let mortgage (just to let you know, most Buy to Let mortgages are not regulated by the Financial Conduct Authority)
• Re-mortgage customers

We can also help find the best mortgage protection and home/contents insurance, too.

We’ve done our very best to keep things simple… we’re great believers in the KISS principle.

That’s Keep It Short and Simple or Keep It Simple Stupid depending on which book you read.

It all starts with a simple enquiry…

All you need to do is get in touch even if you’re simply in the information gathering phase.We’re more than happy to talk in general terms to help you clarify your thinking about taking a mortgage and whether we’re the right people to work with you…

If you’d like to go ahead with us there’s a pretty simple process we follow to make sure we cover all the bases in terms of giving you the right information so you can make an informed decision about the best mortgage product for you.

Here’s the process at high level:

Step 1: Make an enquiry.

We can talk in general terms about mortgages and your options.We’ll explain things to you without getting into any specifics.We can’t give you advice about what we believe is right for you at this stage.

Step 2: You’d like to get specific.

We’ll email you some more detail about what we’ll do for you and what our fees will be.It’s called a Letter of Engagement and once you signed it we can work with you to gather info about your mortgage needs.

Step 3: We meet up.

A face to face meeting (at least one) is a vital part of the process.We use the meeting to work out what your needs are in terms of mortgages and insurance.We’ll also ask you about your income and outgoings, other debts you might have and your attitude to risk.

Only when we have this info can we start to make recommendations and source mortgage products from the huge market place there is out there.

Step 4: Over to us.

Assuming you still want to go ahead with a mortgage we do our stuff.Based on what you’ve told us we’ll research the market and recommend a product or a suite of products for you.

We’ll talk you through your options and ask you which product or products you’d like to go with.

Once we’ve had that discussion, we’ll put together the paperwork (which is often online and doesn’t involve paperwork at all) and do all we can to secure your Agreement in Principle as quickly as possible.

Step 5: Signing up

Once you have your Agreement in Principle it’s all systems go from our point of view.We’ll be working with your new mortgage lender, solicitors and others involved in the process to make sure everything ties up and funds are available for you on completion day.

We may well be in touch with you several times during this part of the process as we make sure your lender has everything they need to dot ‘i’s and cross ‘t’s.

Of course, we’ll be in regular contact in any case, just to keep you informed, even if we don’t actually need anything from you.

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