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A Clear, Straightforward Process From First Call to Completion

Arranging a mortgage or business finance should not take over your life. Our process is designed to be simple, fully remote and transparent, with one adviser guiding you through every step.

Our Process, Step by Step

What Happens and When

Free Initial Consultation

We start with a relaxed conversation about what you want to achieve: buying, remortgaging, investing or raising business funds. We will ask about your income, outgoings and plans, and give you an honest view of what looks realistic. There is no cost and no obligation.

Fact Find and Documents

We gather the details lenders need. For employed clients that is usually payslips, P60s and bank statements. For self-employed clients and company directors it is typically tax calculations, SA302s, tax year overviews and accounts. If anything looks likely to concern a lender, we flag it now rather than after an application has been submitted.

Research and Recommendation

We search [WHOLE OF MARKET / OUR PANEL OF X LENDERS] for products that fit your circumstances, looking beyond the headline rate at fees, criteria, early repayment charges and flexibility. We then explain our recommendation in writing, in plain English, including why we think it suits you.

Agreement in Principle and Application

Once you are happy, we obtain an agreement in principle and prepare your full application. We package it carefully so the underwriter has everything they need, which reduces the back-and-forth that slows many applications down.

Valuation, Offer and Completion

We liaise with the lender, the valuer, your solicitor and your estate agent, and keep you updated throughout. Our job is not done until the funds are released.

Ongoing Support

We will contact you well before your deal ends to review your options, and we are on hand whenever your circumstances change, whether that is a pay rise, a new business venture or a growing family.

Remote by Design

Expert Advice Wherever You Are in the UK

We work with clients in every corner of the UK, and almost all of our work is carried out online. That means no taking time off work to sit in an office, and no posting bundles of paperwork.

Online Meetings

Talk to your adviser by video or phone at a time that suits you, including [EVENINGS / WEEKENDS, CONFIRM].

Secure Document Upload

Send payslips, bank statements and accounts through our encrypted portal the moment you have them.

Electronic ID Verification

Confirm your identity online in minutes.

E-Signatures

Sign your paperwork digitally, from your phone if you like.

If you would rather meet in person, you are always welcome at our office in Wallington, Surrey.

The Futurewise Difference

Why Our Accountancy Background Matters

Lenders do not all assess income the same way. Some use your most recent year’s figures, others average two or three years. Some will consider retained profits in your limited company, others look only at salary and dividends. Rental income, bonuses, overtime and contract day rates are all treated differently from one lender to the next.

Because we work alongside Futurewise Accountancy, we understand exactly how your income is put together and how each lender is likely to view it. With your permission, we can work directly with your accountant (ours or your own) to make sure the figures are presented accurately and consistently. The result is fewer surprises during underwriting and a better chance of approval first time.

Fees and Transparency

Clear Costs, Agreed Upfront

[FEE STRUCTURE: describe how Futurewise Finance is paid, e.g. “We charge a fixed broker fee of £X, payable only when your mortgage offer is issued” or “We do not charge a fee for mortgage advice. We are paid a commission by the lender, which we will always disclose.”]

Before we start work, you will receive our terms of business setting out exactly what we charge, when it is payable and how we are paid by lenders or providers. There are no hidden extras.

Who We Help

No two borrowers are the same.

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Red brick Edwardian house with a bay window and front garden

Residential Mortgages

Buying, moving, investing or remortgaging, we find the mortgage that fits how you earn and what you want to achieve.

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Modern glass-fronted commercial building at sunset

Commercial Finance

Whether you need to move quickly on a property, invest in new equipment or grow a rental portfolio through a company, we find funding that fits your plans and present your case the way commercial lenders need to see it.

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