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+441753463993

Residential Mortgages in slough

Your mortgage is likely going to be one of the largest transactions & biggest asset during the course of your life. With a huge variety of deals available on the mortgage market and a myriad of mortgage lenders to choose from, all of whom are competing for business, we, in our capacity as whole of market advisers, can ensure that you not only get a competitive deal but also a recommendation that you can rest assured has taken into account your specific circumstances and individual requirements.

Would You Like To Know How Much You Can Borrow?

Scroll below to see the stages that we will go through to help you navigate your way to buying your home.

The House Buying Process

We Are Right By Your Side

At Every Stage Of Your Mortgage Journey

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Step 1. Talk to Us
It great that you are thinking about buying a home but if you require a mortgage to enable you to make the purchase then a quick chat with us should give you the information & confidence around how much mortgage you can expect so that you can accurately search for properties that meet your needs and fit in with your financial circumstances.
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Step 2. Decision in Principle (DIP) / Agreement in Principle (AIP)
Having assessed your current situation and where you want to be in terms of getting a mortgage, we will revert back to you and advise you of how we think you should proceed if you want to meet your goals. You will also have the opportunity at this stage to take away the information we have given you and get back to us with any changes or feedback.
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Step 3. Shortlist potential properties & View them
As much as this is going to be one of the more exciting tasks in the home buying process, it can also be the most time consuming, so be patient as you work your way through viewing properties that at first sight look ideal but on reflection you realise that you could get something better for your money
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Step 4. Choose the property that you like & submit your Offer
Once you have found a property that meets your requirements, inform the estate agent (or seller) of your intention to purchase & submit an offer. Whilst your offer may be at the asking price, it is not unusual for you to submit an offer that is lower than the asking price- it largely depends on how much you think it is worth paying for the property.
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Step 5. Wait for the outcome of your Offer
The estate agent/seller will likely need some time to consider your offer and circumstances, in doing this they may ask to see your Decision in Principle. They might also ask you for your mortgage adviser’s details to help them to get an understanding of your ability to be approved for the mortgage that you need to complete the purchase.
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Step 6. Appoint a Solicitor & Apply for a Mortgage
If everything goes well and your offer is accepted, then the next stage will be to let your mortgage adviser know. Your mortgage adviser will work with you to recommend a suitable lender with whom a full mortgage application can be placed. You may ask your solicitor to begin the legal work associated with the property purchase at this stage.
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Step 7. Mortgage Underwriting & Property Valuation
Once the lender has received your mortgage application, they will need go through an underwriting process during which they will assess your circumstances and whether the property that you are buying is acceptable for them to issue you the mortgage on.
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Step 8. Mortgage Offer
If the lender is happy (following on from the underwriting process) they will issue you a mortgage offer. This will outline the terms upon which they will give you the mortgage. Your solicitor will also get a copy of the mortgage offer to enable them to prepare for exchange of contracts followed by completion.
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Step 9. Exchange of Contracts
During this stage you will be required to pay a deposit which will legally bind you into purchasing the property. You will also become responsible for insuring the property (obtaining Building Insurance) at this point.
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Step 10. Completion
This is the final stage of the home buying process and one of the tasks will be for your solicitor to request the funds from the mortgage lender which together with your deposit will be transferred to the sellers solicitor to pass onto the seller. Once receipt of the funds has been confirmed by the seller’s solicitor the purchase is complete and the home is now under your ownership.

To be sure you’re getting a competitive mortgage product, you need
Whole of Market access, We have that.

Come & Visit Us

268 Bath Road, Slough

SL1 4DX

Call Us

01753 463993

Why Use Us:

Free Consultation
Jargon explained in plain English
Whole of Market Lending Panel
Quick Response
Qualified Consultants
Evening & Weekend Appointments Available

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    Your Requirements + Our Advice = Your Own Home

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    If you’re coming from Langley Leisure Centre, start by driving west on Trelawney Avenue toward Langley Road. Turn right onto Langley Road (B470) and continue straight until you reach the roundabout. Take the second exit to stay on Langley Road, then at the next roundabout, take the first exit onto London Road (A4) heading toward Slough. Keep driving for about 2 miles until London Road becomes Bath Road (A4). You’ll find Cubic Financial Services – Mortgage Broker at 268 Bath Rd, Slough SL1 4DX, on your left side, just after passing KFC Slough and Dunelm. There’s parking nearby for easy access.