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How We do it

How we help first time buyers

The concept of a mortgage is relatively simple. You’re borrowing money from a financial institution (such as a bank or building society) in order to buy a house. The problem is that with many lenders and many more products available on the market, all with different terms and criteria, it can be a real minefield. What’s more, whilst it may seem as easy as just being able to source a product through a price comparison site, the reality is far from it. Identifying the best mortgage for you involves balancing three criteria: (1) Your personal circumstances – how much do you earn, how much deposit do you have, how are you employed and paid, etc? (2) The property – is it standard construction, is it freehold or leasehold, what year was it built, etc? (3) What rates and products are available? This is where we can help you…

At Fortitude Mortgage Brokers, our approach is to take all the stress and complexities away from you. We want the process of obtaining a mortgage to be as easy as possible for you

We do this by taking the time to learn about you, to carefully understand your unique situation and source a new mortgage that fits you perfectly. We have strong relationships with all types of lenders, allowing you to have the best and most exclusive deals on the market at your finger-tips.

What’s more, at Fortitude Mortgage Brokers, we put our money where our mouth is, which is why you won’t have to pay us a penny unless we get you a mortgage offer. If we can’t source you a mortgage, you don’t pay us!

Our process for getting you a new mortgage is broken down into four(titude) stages:

Stage 1: Let’s chat

To kick start the whole process we recommend starting with a very friendly and informal chat. There’s no commitment required to proceed any further and no costs involved. The purpose of this first step is simply to understand your situation, background and what you’re looking to achieve.

It’s also an opportunity for you to ask as many questions as you would like, and to find out a bit more information about us.

At the end of this stage you’ll be able to decide if you’d like us to help source you a mortgage. We’ll also be able to guide you as to next steps.

If you’re ready to take that first step, you can book an introductory chat here.

Stage 2: Chill

How do you feel about visiting a corporate office where you can be interrogated by a man in a suit over your finances? What about if they come to your house instead? Is having an awkward meeting with a stranger in your own home any better? We don’t think so.

At Fortitude we utilise the latest technology so that you don’t have to pick either option. Rather you will be given your own secure online portal where you can complete a factfind from the comfort of your own home, in your own time, whilst even watching your own favourite programme (if you so choose). You can also upload any necessary supporting documents such as proof of ID, payslips and bank statements into your client portal and it’s all safe and secure. We think that sounds a lot better!

Once you’ve completed all your information and uploaded your documents, it’s then over to us to do our job…

Note: At this stage we’ll ask for a copy of your credit report. If you don’t have one we recommend checkmyfile (you can get a month’s trial for free – make sure you cancel within 30 days!)

Stage 3: Let’s get this show started

With all your information checked and your requirements and desires understood, it’s now over to us. This is where we research the market, not only looking for the best rates, but also making sure your situation meets the criteria of the lenders available.

Once we have sourced the most suitable option for your personal circumstances we will provide you with an illustration before we move on to submitting and managing the application for you. We will answer queries raised by the lender and will also chase them where required.

Occasionally things don’t run to plan and a lender may decline your application. This could be for any number of reasons. Where this happens, we will then be looking to apply to other lenders (at no further charge to you).

At the end of this stage we aim to have you a mortgage offer from a lender.

Stage 4: Sleep easy

Want to know what’s more stressful than applying for a mortgage? Being responsible for a mortgage and not having the means to repay it!

Sometimes life doesn’t go to plan. It might be that you get signed off work long term, or perhaps the unimaginable happens and you lose your partner. The final part of the process is about making sure you have the necessary cover in place, so that you can live life knowing all that all is taken care of. Finally you get to sit back and enjoy your new home!

Ongoing service

At Fortitude Mortgage Brokers we believe in long term relationships. We see our role to help you with all your remortgage and protection requirements throughout the term of your mortgage. If you ever have any questions or want help with future mortgage or protection related queries, we are there are for you.

Don’t know where to start? Book in for a friendly introductory chat now. We’d love to hear from you.

Check you’re eligible for a mortgage

Before you even start thinking about how much you can borrow, or what type of property to buy, the first important step is to make sure you’re likely to be eligible for a mortgage. To help you with this, we’ve created a short quiz that will indicate whether or not you’re likely to be accepted.