Welcome

To LTC Mortgages

LTC Mortgages understand how important a decision of getting a mortgage is. It’s not just about taking out a mortgage, it’s about getting the keys to your new home, improving the one you’ve got or arranging your finances for the future.

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What LTC Mortgages Offer

Just Some Of The Services Offered
Think Carefully Before Securing Other Debts Against Your Home. Your Home May Be Repossessed If You Do Not Keep Up Repayments On Your Mortgage.

The Process

What happens when getting a mortgage
  • 1. Assessment

    I meticulously assess your application and supporting documents to get a close idea of how you manage your finances. I want to make sure you are not stretching yourself and that you are getting the right mortgage for you.

  • 2. Valuation

    Whether you’re buying or remortgaging, at this stage the bank’s surveyor will check that the property is priced correctly and suitable for mortgage purposes. You’ll be given a choice of what level of inspection you would like, we will advise if you need anything other than an ordinary survey.

  • 3. Offer

    Once your valuation is complete, the bank will carry out their final checks before writing to you and your solicitor with the mortgage offer. This will include a copy of your valuation.

    If you’re remortgaging, the bank will likely appoint one of their solicitors. They will give you an information pack detailing what happens next.

  • 4. Completion

    The final step is the completion itself. This is where , if you are remortgaging, the bank either release the funds to you. If you’re buying a new property, it’s when your solicitor sends us the Certificate of Title and in return we release the funds to them. Once the seller has received the money, the house purchase is complete. You get the keys to your new home!

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