Client journey

The process of getting a mortgage – and what actually happens during this time – can feel overwhelming at first. There are a lot of moving parts involved, so we wanted to break it down and give you an idea of what you can expect.

We’ve laid out all the steps of your journey with us from beginning to end, explaining in detail what happens at each stage. Think of it as your roadmap to your new home!

Initial chat

Your first stop is always speaking to us. Before you even start looking at properties, we recommend having an initial chat with us to sort out some of the basics and see if you qualify for a mortgage.

We’ll learn a bit about you and what you’re looking for, then run some affordability assessments to give you an idea of how much you can afford. There is no obligation for this initial meeting.

Decision in Principle

Next we’ll run a credit check, then obtain an official Decision in Principle from the bank. A Decision in Principle is essentially a confirmation from the lender about what they’ll be prepared to lend you. You can show this to an estate agent when you’re ready to make an offer.

Now’s the time to go out and find your perfect property! If you want our advice on a viewing we’ll be more than happy to help, just drop us a message on WhatsApp. When you’ve found the one you love, make your offer.

Instruct solicitor

If your offer is accepted, we’ll get a date in the diary for us to discuss your mortgage application in full. We’re available between 7am and 8pm, either face-to-face or on Zoom.

At this stage we can also instruct a solicitor on your behalf. All of the solicitors we work with are on every lender’s panel, which helps avoid any unnecessary barriers.

Mortgage appointment

At your mortgage appointment, we’ll talk you through the whole process in detail. We’ll break down your monthly budget and discuss the mortgage options available to you before picking a lender and a deal.

At this stage we will also discuss our home and life insurance options, so we can ensure you’re protected for whatever comes your way. With all that complete, we’ll submit your mortgage application.

Property valued

The property you’ve made an offer on will be valued by the bank to confirm it’s suitable for the loan you’ve applied for. Once this is complete, we can introduce you to someone who offers a homebuyer survey for an in-depth check of the house.

Insurance appointment

We’ll organise all of your protection policies, including life insurance, critical illness cover, salary protection and home insurance. We’ll also pay for a free will for you.

Mortgage offer

Congratulations! You’ve received your mortgage offer which means we’re nearly there. Your offer typically lasts for six months from when you receive it.

Completion

All that’s left is to complete on your purchase. Once you’ve transferred the money to your solicitor, you’ll be able to pick up the keys and move in. Enjoy your new home!

Word on the street

Navigate took the stress out of moving, the team couldn’t have been more supportive. Great service and very easy to work with - the personal touches were a lovely cherry on top. Thank you Navigate! - July 2023

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A client since 2023

We will most definitely be referring all of our friends and family to Navigate. We could not have asked for a better service throughout. - Jan 2023

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A client since 2023

I cannot recommend Paul and his team more highly. Exceptionally professional and friendly service. Kept us up to date at every stage and explored every avenue to make it work. Quite brilliant. - Feb 2023

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A client since 2023

Used Navigate as a first time buyer and couldn't be more happy with how they handled it. The WhatsApp chats and zoom calls are really good to cover every aspect of the purchase and so easy to contact a member of the team. - Nov 2022

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A client since 2022

Would highly recommend Paul & team at Navigate Mortgages. A pleasure to deal with. Guided us through the application process and advised us at appropriately at each stage. Would definitely use again - a professional operation. - May 2023

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A client since 2023

Having worked in the financial sector for over 20 years I really can't recommend these guys enough. Paul and his team were professionally efficient, being there every step of the way. - March 2022

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A client since 2022

Paul, Chris and team were very professional in helping me get my first mortgage. The process was very smooth and they were always available to quickly respond to my questions along the way. Thanks so much. - July 2023

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A client since 2023

Thankyou Navigate for helping me buy my first home! Especially to Lewis and Chris- no question ever felt silly and always prompt with replies! Reliable, transparent and easy to deal with - highly recommend! Also thankyou for my surprise moving in hamper! - Nov 2022

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A client since 2022

Very experienced and helpful advisors within Navigate. I'd highly recommend to anyone seeking mortgage advice and assistance. - June 2023

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A client since 2023

Navigate Mortgages Ltd
Navigate Mortgages Ltd
88 Google reviews
Pauline B
Pauline B
2024-05-08
They have all the insider knowledge to ensure me find the perfect mortgage and go through the process as smoothly as possible. This is my first time buying a house, I am so glad with Navigate guide me through this journey. Thank you Navigate.
jaydohertyph
jaydohertyph
2024-04-11
A massive thanks to Paul and Rachael and the team at Navigate. Today we move into our dream home...
Gareth Cairns
Gareth Cairns
2024-03-30
After great difficulty trying to obtain a reasonable mortgage for our new house; I was put onto Paul at navigate who was highly recommended. From the get go Paul was friendly, professional and provided in-depth information with plenty of options. As well as finding the best deal Paul was only a phone call away; arranging numerous consultations and responded promptly to calls and messages with any queries or information needed. Even after having to apply for multiple mortgages due to property changes etc the service was consistent and to the highest standard! Thank you so much to Paul and the team! Highly recommended!
Luke Mccaughan
Luke Mccaughan
2024-03-06
I have had a great experience with Navigate Mortgages specifically Chris Shannon who I dealt with more on a one to one basis. It was fantastic to have someone there to bounce any questions off and make the journey of buying a house as stress free as possible if that is so. I can’t thank Navigate enough and especially Chris, I’d highly recommend to any first time buyers or others to get in touch if thinking of purchasing a property 10/10!
Theresa Gordon
Theresa Gordon
2024-02-26
From start to finish Paul and all at Navigate couldn’t do enough for us.. They made us feel so at ease and the whole process was so smooth from start to finish. Always just a quick message away if we had any queries or questions. Prompt, efficient and professional from start to finish.. We are now a week in to our new home and we have Navigate to thank for helping our families dream become a reality.. We couldn’t recommend you enough!! Thank you so much for everything!!
Chris Nicholl
Chris Nicholl
2023-12-18
Paul and his team were amazing from start to finish. This has been my fourth property I've bought and with this purchase I found myself having to organise little to nothing. They took all the stresses of buying a home away. Thought the use of a WhatsApp group is a great idea and kept me up to date with everything going on. Thanks again guys
Amy Monaghan
Amy Monaghan
2023-11-26
We used navigate mortgage when buying our first house and I honestly couldn't recommend them enough. Paul and his team were so attentive to every step in the process and worked to a high professional standard. They made this whole process so much easier and will definitely be recommending them to friends and family.
Tom Payton
Tom Payton
2023-11-26
for anybody looking for or buying a new home, look no further than Navigate Mortgages. I cannot recommend Paul and the whole team that work here enough! Myself and my partner first put money down on a new build home 3 years ago and due to site developer negligence, we have only just moved in. It was a lengthy and difficult process throughout, but nevertheless, Paul and the team at Navitage were there for us not only on professional side of things, but also to provide us with comforting words and reassurment on what has been a very testing time in our lives waiting to finally be able to move in. Be it through having to apply twice for a mortgage of us due to continuous delays on our first one ending with it being cancelled, to one of the team members (mainly Paul for myself) acting as an agony aunt of such as we faced continous bad news from both the estate agents and the builders/site developers. We owe a lot to Navigate, they went above and completly beyond what was expected of them, and we can say for sure that any other choice of company would not have handled our particular case as well as Navigate have. A massive thank you to the entire team over there, we couldnt of got here without you!
Justin Mccadden
Justin Mccadden
2023-10-11
Chris was extremely efficient and helpful throughout the home buying process. He was always available to answer questions even if it was during the weekend. Chris made our experience completely stress free, always explained the best products on the market and provided us with an abundance of helpful information. Would highly recommend Navigate mortgages to anyone looking to buy a new house.
Ed VM
Ed VM
2023-08-19
Absolutely fantastic. Not just the service Paul and team offer during the search for the right mortgage, but also, and very surprisingly, the post-service they offer. Seriously super-recommendable.