Whos'lending ? The whole of market mortgage broker that doesn't charge a fee

• The mortgage process
• How to repay your mortgage
• Information on the different types of mortgages
• Remortgages
• Mortgage calculator
• Jargon buster

Simple steps to finding a great mortgage deal

1. Fill in your details and let us do the hard work.

Let us have your contact details and we'll call when it suits you.

 

name telephone number Please provide a phone number for us to call you on. e-mail address Please provide a an email address for us to contact you. best way to contact Anytime by email Mon-Fri 9am-5pm Mon-Fri 5pm-7pm Saturday 9am-12pm Other (give details below) details about your needs Please give us the details of loan amount, value of property, special requirements, buy to let or credit problems, etc.  

2. What happens next?

We'll contact you and ask some questions about your circumstances. We'll give you all the advice and help you need and then recommend the best mortgage for you.

The mortgage process

The Who's Lending? 5 portion guide

1. Call Who's Lending? on 0800 5870652 to arrange an appointment with one of our friendly, qualified mortgage advisers. We'll ask you some simple questions about your needs and circumstances. This will give us the information we need to find the right mortgage for you.
2. We'll give you a Key Facts Illustration. This gives you the details of the mortgage we recommend in a simple, straightforward manner so you can check you're happy with what we suggest and you can easily compare it with other mortgages if you want to.
3. If you decide you'd like to go ahead, we'll guide you through the application process and help you with the documents you'll need to submit with your application.
4. We'll keep in regular contact with you and your lender, helping to move things along. When the mortgage lender has everything they need and are happy to approve your mortgage, you'll receive a mortgage offer and your solicitor or licensed conveyancer will receive a copy too.
5. The solicitor or licensed Conveyancer will complete the mortgage and deal with all the legal paperwork. Some lenders have their own in-house solicitors, others give you money towards your legal costs. We'll guide you through this when the time comes.

Mortgage valuation/survey

As part of your mortgage application, your lender will want to arrange a mortgage valuation or survey to make sure that the property is worth the money they are lending you. If they charge a fee for this, it will be included on the Key Facts Illustration that we send you before you apply for the mortgage.

There are three types: basic valuation, Homebuyer Report and full structural survey. The difference is in how detailed they are, with the basic valuation being the least and the full structural survey being the most detailed. Which one is right for you will depend on the age, value and condition of your house. We can give you the information you need to make your choice.