Mortgages and Insurance
Your browser is out of date!

This website uses the latest web technologies so it requires an up-to-date, fast browser!
Try Firefox or Chrome!
Back to top


Applying For A Mortgage With JD Mortgage Services

Get FREE Impartial Mortgage Advice 7 Days A Week


apply-nowOn your first call to us you will speak directly with our professional mortgage advisor.


We will listen to your requirements and answer any questions you may have.


To enable us to find the most suitable mortgage on offer from the whole of market, we will need to know a few details about you and your mortgage requirements so with your help we will fill out a short fact find. From the information you provide, we will then use our sourcing technology to get a list of the most suitable mortgage deals available. At this stage we will have a list a lenders that will lend you the finance and the ones that will not will be excluded. These deals will then be analysed to work out the best mortgage for you.


In many cases there will be more than one suitable mortgage. Different lenders have different features, incentives and negative features. Sometimes the property causes an issue and this is where we use our expert knowledge to work out the best mortgage lender and product for you based on your requirements.


Once you have made a decision on the mortgage product you want, the majority of lenders we deal with allow us to obtain an agreement in principle within minutes using their systems in our office. If you are buying a property rather than re-mortgaging, the decision in principle puts you in a very strong position when house buying as it shows the estate agent and the vendor that you are a serious prospect with pre-arranged funds at hand – allowing you to negotiate on the sale price or complete with speed if required.


Once you have agreed a price we can then complete a full mortgage application online and reserve the mortgage product for you. You will need to appoint a solicitor to complete the legal side of the house buying process at this stage. We will guide your application through to completion. Your mortgage lender will want to survey the property being mortgaged and carry out income checks. Once this is all completed, usually within a week, they will issue you with a formal mortgage offer in writing and a copy of this will be sent to your solicitor.


Once your solicitor has received the mortgage offer they will conclude their legal checks and arrange a completion date.


We will keep you informed on the progress of your application on a regular basis, handle any problems that may arise, liase with the estate agents and solicitor on your behalf.


See Also:


First Time Buyers
Looking to take your first step in home ownership? - Find Out More
Looking to re-mortgage your home for a better interest rate or to raise some money? - Find Out More
Moving Home
Looking to move and don’t know where to start? - Find Out More
Buy To Let
Looking to rent out your current home or purchase a property to let? - Find Out More
Mortgage Calculator
Get a rough idea of your mortgage payments - Find Out More
Free Mortgage Review
Time to renew your mortgage, get a FREE review - Find Out More