Ungaro&Co

The Process

Everyone’s journey is a little different, but below is a rough outline of the process that you will follow when arranging a mortgage through us.

1. 1.    Getting to know you – helping you get prepared.

Tell us your story – who you are and where you are going. Are you looking at properties for the first time or have you done this a few times before? 

To get prepared to buy a property, the most important thing to do is get pre-approved for finance. Please arrange a meeting with us – an application form will need to be completed on or before this meeting (this can be done online here also).

Supporting documents will also be required such as:

• Bank statements,
• Evidence of deposit to be used
• Income verification

 

1. 2.  Start House-Hunting

This can be the exciting part, but often it can be stressful. We are here to help you throughout this process also – not just with the mortgage but also with other aspects like getting prepared to bid at auction, understanding special conditions of your loan approval, making sure what you purchase is acceptable to the bank etc.

During your house-hunting, we strongly recommend that you view our resource/education area of the website – click here.

 

1. 3.   You’ve just purchased – now what?

Depending on who you are, you may be interested in the details, or you may prefer to have us just give you the highlights – either way, it’s time to meet again at this stage to take you through the next step :

• We discuss with you the types of loans/repayment terms that are most suitable for you.
• We negotiate on your behalf with the lenders to make sure that you have the best possible deal at that moment in time from your chosen lender.
• We liaise with your solicitor regarding documentation.

But that’s not all! After you move in to your home, our involvement is not over – at least every 1-2 yrs we like to catch up to review how things are going and to continue to give you advice that keeps you on track with your financial goals.