The entire process was painless, the service was unsurpassed – being contacted frequently and offered assistance and guidance along the way - and We know Mortgages certainly know how to identify the needs of their clients and assist them in every way!
I would highly recommend their services to anyone at any time!
Marlene Nicholls (London)
I found this company really easy to deal with. Their consultants are very professional and extremely helpful. Nothing is too much trouble and they are always trying to give you the best price but using reputable companies. I highly recommend them for any policies you might need. Thank you! Maria
Maria Marco (Lancaster)
I can highly recommend 'We Know Mortgages Ltd'. I purchased life insurance with Aviva. No hassle, straight forward and a good price too! The service was very professional and I would use them again.
Clare Robinson (Preston)
The service from We Know Mortgages comes second to none! From initial consultation to contract exchange the communication, assistance and advise from We Know Mortgages was fantastic. The portfolio of products available through We Know Mortgages is extensive saving me time and money. I fully endorse their service and would recommend We Know Mortgages to anyone looking for a mortgage, insurance or life cover.
Mark Merry (Preston)
Treating Customer Fairly (TCF)
We Know Mortgages Ltd TCF proposition:
Agreement in principle
An agreement in principle is issued by the mortgage lender taking into account your circumstances. This will indicate how much you can borrow, the deposit size and the requirements for the full mortgage application.
It is advised to be agreed by the mortgage lender prior to searching for a property.
Too many credit searches
Consumers must be aware at every time a agreement in principle is carried out, a foot mark is left on their credit files. Too many foot marks could result in applications being declined. Consumers are advised to allow one firm to carry out the searches at one given time.
Key Facts Illustrations
Prior to the mortgage application, the consumer will receive a Key Facts Illustration plus or European Standardised Information Sheet (ESIS). This document will highlight monthly costs, set up costs, initial and revert rate, any penalties, total amount payable, mortgage term, overpayments facilities. The Key Facts Illustration should mirror the final mortgage lender offer.
Prior to mortgage application, we will carry out affordability checks benefiting the customer and the adviser. A budget will be proposed and a surplus income towards any unexpected costs. The applicants affordability is an integral part of the mortgage applications.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Protecting the mortgage is equally important to the mortgage payments itself. Making sure, your home, family, income and lifestyle are protected if the worst was to happen. Peace of mind.
Life/Critical illness insurance, Income Protection, Accident Sickness Redundancy and Building and Contents insurance are advised.
Dealing with a loss is difficult but it will be more difficult for your loved ones if you don’t prepare a will. The will is perhaps the most important document a person signs.
We will advise you during your mortgage application to speak to a solicitor to arrange a will.
The Financial Conduct Authority does not regulate Will Writing and most forms of Buy To Let mortgage