Independent mortgage experts with over 30 years of experience ready to help with your mortgage and protection needs
You find your dream house. We do the rest.
Let us manage your application.
Less stress. More peace of mind.
Your adviser
We offer all our clients a personal, one to one service with a fully qualified and experienced adviser who is available by phone and by email when you need them.
You will have the peace of mind that someone knows your case and is there to talk you through anything you don’t understand and to deal with any problems that arise.
How we help
WE FIND YOU THE BEST DEAL
Our expert advisers search the mortgage market across all lenders and aim to source the perfect product for your needs.
WE MANAGE YOUR MORTGAGE APPLICATION FOR YOU.
From the minute you call us until the day you get your keys, we manage the whole process on your behalf. You will be assigned your own personal adviser to help you every step of the way.
WE MAKE SURE YOU DON’T MISS OUT.
New build mortgages are different. Both lenders and builders have special criteria and we help you navigate the requirements.
WE HELP YOU ACCESS GOVERNMENT SCHEMES.
We help you raise your deposit by accessing the government’s Help To Buy scheme
Not everyone is eligible for such schemes.
Call us
We’re here to help. Qualified to the highest standard and authorised and regulated by the Financial Conduct Authority (FCA), we’ve helped thousands of people to buy their new home. We’re independent and completely impartial, so you can trust that your best interests are at the heart of all we do.
01443 821112
All the help you need.
In one friendly place.
Your personal advisor will be working on your behalf from the minute you call.
Finding the Best Deal
The mortgage market is a complex and fast moving environment. We have expert knowledge of all the latest products and a comprehensive search capability customised to your personal situation. We aim to match you with the perfect product.
We have long-established and close relationships with all the top lenders and we can often source exclusive deals and special rates that are not available in branch or online
Meeting the Criteria
It’s easy to waste time trawling the high street or the internet to find the best deal only to find later down the line that you don’t meet the lender’s criteria.
Because we get to know your specific situation from the start, we can utilise our professional knowledge and advanced search capabilities to find products which we know you’re eligible for and will be a good match for your needs.
Sorting Problems
You may face obstacles along the way and we’re here to help you navigate them. We’ve helped thousands of people get a mortgage and our experience enables us to forsee problems and head them off.
Our knowledge of government legislation, tax policy, affordability criteria, proof of income requirements and the credit checking process, means that potential stumbling blocks can be cleared out of the way as efficiently as possible with the least amount of stress for you.
Working Behind the Scenes
Once your application is submitted, there’s a lot to be done to keep the process moving. We spend hours following up on your behalf, chasing lenders, checking documents have been received, querying delays, and generally making sure everything is running smoothly.
Your personal adviser will add notes and comments to your private Hub Page whenever there is a development, so you’ll always be in the loop.
Our new build service
New build mortgages are often different to those available on second hand houses.
Mortgage lenders can require a bigger deposit, but may allow contributions from the builder themselves, or from government schemes. We can help decide how to structure your deposit to achieve the best deposit to rate ratio. We can also let you know if qualify for a help-to-buy scheme from the government, and if you do we will process the application on your behalf.
Many builders have a 28 day exchange deadline. This means that even if your property won’t be ready for several months, a mortgage offer must still be in place within 28 days from the moment you reserved the property. We have access to specialist new build teams with many of the mortgage lenders which allows us to work closely with them to achieve the 28 day deadline.
Most mortgage offers are valid for only 6 months so if, for example, you have an 8 month build schedule on the house you want, this can cause problems. We can place you with the right lender to avoid extra expense, one which has a facility for an extension without having to pay any more set up fees.
All in all we take the specifics of your particular purchase and find the best way to achieve the best rates, the best way to raise your deposit and a smooth, problem free application process.
Remortgage
It’s always worth shopping around when your existing deal comes to an end.
Whether you’re looking for a lower rate, a long term fixed rate for peace of mind, an equity release for home improvements or debt consolidation, our expertise and experience can save you money.
You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing debts against your home.
Buy to Let
Whether you’re new to the buy-to-let scene or have been building your portfolio for some time, we can help you get the best deal.
Call our expert advisers to find the perfect mortgage product for your buy-to-let needs.
We can also source competitive insurance products for your investment properties.
Home Insurance & Life Insurance
- Insurance is something people tend to overlook until it’s too late. It’s an integral part of your mortgage application and protecting yourself, your partner and your dependents is of critical importance. We have a life insurance specialist with years of experience ready to assist you with all your protection needs.
We can arrange a tailor-made policy to suit your affordability that will protect your mortgage and also cover your government scheme if you have one.
- The purchase of your home is most likely to be your biggest financial commitment in your lifetime therefore it is important to protect it. We only recommend a 5 star Defaqto policy. This is the highest rating which means it ensures that you are properly covered. Buildings and contents insurance can sometimes be problematic on a new house because your postcode may not be registered until the moment of completion. With our panel of specialist new-build insurers we can get around this issue and provide you with a range of the most competitive rates on the market.
Call or email us for a no-obligation quote.
We take you through the application process.
Step by step.
Get Prepared
The mortgage application process can sometimes be frustrating and time consuming. We’re here to organise everything on your behalf and we do all we can to ensure that the process runs smoothly, but there are a few things you can do to get prepared ahead of time.
Our top tips
01. You’ll need to submit payslips from the last three months, so keep them handy.
02. You’ll also need your latest 3 months statements.
03. If you’re self-employed you’ll need your tax year overview and tax calculation. Call us to talk this through if you’re not sure what these are.
04. You’ll need to complete an affordability assessment. Start to keep a note of your main monthly outgoings now so that when you’re ready to apply for a mortgage you have everything to hand.
05. Proof of deposit, this could be a savings account statement.
06. Proof of identity and proof of address.
Apply for an Agreement in Principle
When you call us for an initial chat, you will be assigned a personal adviser who will be your contact throughout the mortgage process. This first conversation will enable your adviser to get to know your particular situation and requirements. She will help you assess affordability and will discuss options for raising your deposit. If you want to take advantage of the Help to Buy scheme, your adviser will manage that application for you.
You will be given an outline of the best mortgage options available to you, with monthly payments and associated fees.
Once you’re ready to proceed, your adviser till run a credit check with the chosen lender. If this is successful we will issue you with an Agreement in Principle. This will remain valid for approximately 90 days, and is not linked to a particular property at this stage.
Meet the criteria
This is the stage where you sit back and let us do the work!
We will be in frequent contact with your lender, with the aim of getting an offer agreed as soon as possible. Wheels can turn slowly and computers can throw up further requirements as far as criteria go, but your adviser will manage all this for, liaising with you along the way.
The client portal proves useful here as you can send and receive private messages with your adviser, and quickly upload any further documentation that the lender requires. The chain of communication is there on your client page for you to see at every step and your adviser will add notes to let you know whenever another stage has been completed. You can pick up the phone and talk to your adviser at any time of course, but the portal is a great added extra.
Process your Full Application
Now is the time to commit to the dream home of your choice.
Once your offer has been accepted by the builder and you’ve reserved a property, you’ll need to instruct a solicitor (we can offer recommendations if you wish).
We’ll talk again at this stage and advise you of what documentation will be required to process your full application. Your documents can be easily uploaded straight to your secure client portal on our website, or emailed to directly to your personal adviser.
This is a stage where hitches can sometimes arise and your adviser will be invaluable in getting all the information together to meet the lender’s criteria.
Complete your purchase
When your mortgage offer is issued a copy will be sent to you, to us and to your solicitor.
Your solicitor will arrange for exchange of contracts and at this point you will put your insurances in place.
While you wait for the completion date agreed with your builder or vendor all you will need to do is plan your move!
You won’t start paying your mortgage until the completion date (the day you can move in if you’re ready to).
The last stage is getting the keys in your hand and experiencing that priceless moment when you open your new front door for the first time.
-Cascade Mortgages is a trading style of Diane Gwyther which is authorised and regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No 474452 at www.fsa.gov.uk/register/home.do
Your property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some aspects of commercial mortgages & buy to let mortgages.
If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email.
Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service ('FOS'). Please see the following link for further details:
http://financial-ombudsman.org.uk/