Residential Mortgages

Allow our trusted partner to find you the right type of mortgage, with expert, trusted advice.

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Residential Mortgages

Does your current residential mortgage term end within the next six months? Do you need to consolidate debt or access funds from your property value? Are you looking to move house and need a mortgage approval? Whether you’re a first-time buyer or an existing homeowner, it’s important that you have the right mortgage for your situation, and this could also save you money. There are various factors that influence a mortgage application, including age, income, occupation and your credit history.

Our specialist mortgage adviser who we work with closely knows that changing your mortgage deal can feel daunting. Finding the right type of mortgage can seem like a complex challenge. We’ll streamline the process by using a trusted specialist from another firm who will work with you and their whole of market panel of lenders. They’ll ask about your current lender and whether you have an interest only, fixed, variable (SVR) or a tracker product. Their team will find the right deal for you.

Think carefully before securing your debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Residential mortgages are by referral only.

To speak to a Residential Mortgage Specialist

They will provide a specialist service to give you the best advice on what mortgage deals are available. Book your free initial consultation with their specialist today.

Call us now: Or email:

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Your Riverfall home buying timeline

Rest assured, our partner firm will ensure everything is moving forwards at every stage of the process.

Step 1 – Getting started

(c.1 – 3 days)
• Affordability check & set a budget.
• Obtain your mortgage in principle.
• Start looking for your new home and arrange a property valuation.

Step 2 - Find your new home and have your offer accepted

(As long as it takes!)
• Contact us and apply for your Mortgage and identified Protection policies.  (1 - 2 hours)
• Don’t forget to instruct your solicitor. We can help you with a recommendation if you don’t have one.

Step 3 - Wait for your mortgage valuation and allow your solicitor to sort your searches

(c.1 - 2 weeks)
• Get back to your solicitor as soon as you can if they ask for anything. This keeps things moving.

Step 4 - Congratulations you have received your Mortgage Offer

(c.2 – 10 weeks)
• Your solicitor will be liaising with the other solicitors in the chain.
• This is the part where it can go quiet as everyone is working behind the scenes.

Step 5 – Exchange of contracts

(c.10 - 12 weeks)
• Pay your deposit to your Solicitor.
• You will exchange contracts and a completion date is set.

Step 6 – Completion

(c.12 - 14 weeks)
• Complete on your purchase.
• Congratulations. Enjoy your new home!

Lucy Brown mortgages
Mortgage & protection specialist
Lucy Brown

Our Expert’s View

Mortgages can be complicated and time consuming so to avoid stress and disappointment when making an offer on your dream home, sort out your mortgage as soon as possible!

The bridge magazine

Read our magazine
‘The Bridge’

Communicating with our clients is important to us, so we create our very own magazine, into which we pour the expertise of the Riverfall Financial team.

It’s free, it’s exclusive and it’s full of insight on how your money can help you make the most of your life.

How can we help you?

Residential Mortgages
Buy to Let Mortgages
Commercial Mortgages