top of page

Free Mortgage Advice

When it comes to mortgage advice, there’s no one-size-fits-all solution. Every individual and family we work with has their own unique financial circumstances and property goals. That’s why we take the time to truly understand your situation before finding the most suitable mortgage product—and the best possible deal for you.
At The Online Mortgage Advisors, we’re with you every step of the way. We handle the complexities so you can focus on what really matters. And our support doesn’t stop once you get the keys—we’re here for the long term, making sure your mortgage continues to suit you and your family’s future.

REQUEST A CALL TODAY

Types of Mortgages We Can Help With

First time buyer mortgages

First-Time Buyer Mortgages

Home mover mortgages

Home Mover Mortgages

Remortgage solutions

Remortgage Solutions

More About the Process

More About the Process

1. No Obligation Informal Discussion
To get started, we’ll arrange a free, no-obligation chat - either by video call or a standard phone call, whichever you
prefer. During this conversation, we’ll discuss your affordability, borrowing potential and any costs involved. We’ll
also walk you through the entire process in clear, simple terms - so you’ll feel confident, informed, and completely in
control from day one.

2. Secure Your Mortgage in Principle
Our next step is to secure your mortgage in principle. This empowers you to show estate agents you're a committed
buyer and provides a clear understanding of your budget for property searching. With your mortgage in principle,
you'll have a valid entry point for viewings, all without any commitment at this stage.

3. Find Your Ideal Property
Armed with your Mortgage in Principle, you are now able to start viewing properties and make offers with confidence
knowing your budget. Once you have an offer accepted on a property, you can return to us to proceed with a full
application. This is where it gets really exciting!

4. Mortgage Application
At this stage we will conduct more detailed review of your circumstances. This includes us collecting and verification
all required documents and putting forward a submission to the most suitable lender. We will provide regular updates
on your application progress and support you throughout.

5. Property Survey & Valuation
Partnering with trusted surveyors allows us to assist you in arranging a detailed survey. This step ensures that once
the survey is done, you can confidently continue the buying process, secure in the knowledge that the property is the
right one for you. This step is down to you as the buyer and it’s not a legal requirement when buying a property.

6. Legal Process
We understand the legal side of buying a home can feel daunting, but we're here to guide you. Through our trusted
panel of qualified conveyancers, we can appoint a solicitor for you and manage your legal searches and contracts.
We'll keep you regularly updated on progress and are always available to answer any questions as you prepare for
exchange and completion.

7. Protection Planning
Once your mortgage application is underway, it's vital we consider your family's future security. That's why we'll
conduct a comprehensive review of your protection needs, including Life Insurance, Critical Illness Cover, Income
Protection, and Home Insurance. This crucial step guarantees your family is financially protected, ultimately giving
you true peace of mind.

8. Exchange & Completion
Towards the end of your journey, we will complete all checks and preparations required for a smooth exchange and
completion. Our team are here to support you right the way through to getting your keys. Of course, we will take great
pleasure in the celebration of your new home achievement!

9. Ongoing Support
Our commitment doesn't stop here. We aim to provide ongoing support throughout your mortgage journey,
proactively keeping you updated about renewal dates. Our goal is to ensure you always have the best mortgage
product and that your protection plan remains perfectly tailored to your family's changing circumstances.

Ready to start your new mortgage journey?

REQUEST A CALL TODAY

bottom of page