Do you Need a Mortgage?
When you are looking to purchase a property or remortgage your home it is important to researcher your mortgage options. That can be your own research online or with the help of a bank, building society or a mortgage broker.
Which ever way you want to go, Go Direct is here to help you every step of the way.
Mortgage and Remortgage Guides
We have all the guides you need to start understanding the basic details of your mortgage options.
From fixed rates to trackers, repayment mortgages to ISA's we have guides to help you through the mortgage maze.
Mortgage Best Buys and Calculators
Go Direct have one of the largest data bases of mortgage best buys available online
The instant quote tools we have can show you how much you are likely to pay each month for your new mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage
What is the Mortgage Application Process
Once you ready to proceed and apply for a mortgage there are several steps in your journey to get your mortgage offer. 1) Mortgage agreement in principle, 2) Full application, 3) Mortgage underwrite, 4) Valuation instructed, 5) Full mortgage offer.
What is a Mortgage Agreement In Principle (AIP)?
Your first step is to have a mortgage agreed in principle from a lender. Many estate agents will require a mortgage agreement in principle when you make an offer on a home or even to arrange a viewing. If you do not have a mortgage agreed then if there is more than one potential buyer for the property and the other potential buyer has an agreement in principle, who do you think is most likely to get the home. Your offer is important but giving the estate agent confidence in your ability to proceed is key.
A mortgage agreement in principle means that a lender has completed its credit check and agreed to your mortgage request in principle based on their credit score. The important thing to remember is that this is based on the details you provide so its important to be accurate with your income and variable pay if you try to do this yourself. With Go Direct we can get your mortgage agreement in principle done accurately by checking your income matches a lenders criteria. This avoids the heartbreak of the lender revising the amount they will lend you on full application.
If you want a mortgage agreed simply complete are online aip request and we will take care of the rest. We will contact you to complete a review of your circumstances so can advise you of the best mortgage to meet your needs before we arrange an agreement in principle for you with a mortgage lender.
