To help you understand what to expect from Alexander Hall, please find below an explanation of the process once you have made contact with us.
An Alexander Hall representative will take a few basic details from you and allocate a dedicated mortgage adviser to you. Your current situation, desired meeting location and preferred time will be taken into consideration when choosing the best adviser for your needs. A confirmation email, including map, appointment time and adviser's details, will be sent to you within 24 hours of booking the appointment.
You will then receive a call direct from your adviser who will take a few more details concerning you and your situation so that they may commence some preliminary research. This will ensure that you will leave your first meeting feeling more informed regarding the choices available to you.
The mortgage adviser will call you on the day of the appointment to remind you of the time and location of your meeting. When you arrive to meet your adviser you will be greeted by a receptionist and offered something to drink whilst you wait in our café-style reception area for your adviser.
The meeting will take between 40 minutes and one hour and will begin with an explanation of how Alexander Hall can help you, how we are different from other brokers and lenders, and what rights you have as a customer. We'll find out more detailed information with regards to your residency, financial situation and credit history to allow us to determine the best mortgage lenders and products for you personally. In addition, we'll discuss what kind of property you are looking to buy and your financial expectations - this will help your adviser to further tailor the advice to your own personal situation.
Your adviser will then answer any further questions you may have and provide explanations of mortgage types, interest rates, the mortgage process and the additional costs of buying a home to ensure there are no surprises as you proceed through your application - all of these will be explained simply and without any financial jargon.
Your adviser will research deals from across the market (over 18,000 products) for you and using the information from the initial meeting will recommend a handful of products (usually two to five) that are most suitable for your individual circumstances. We'll then arrange a mortgage Agreement in Principle (AIP).
We'll continue to research the market and keep you updated on a weekly basis with any changes and information on lenders and interest rates. A case manager will oversee all the paperwork and will act as source of contact, should your adviser be unavailable, answering any questions that you may have and assisting your adviser in obtaining your mortgage offer in the shortest time possible.
We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender.
Once you have decided on a mortgage we will process your application, advise you if any additional information is required and then check the formal offer once it is returned from the lender.