To ensure we can always work to Our Service Promise you will have a dedicated adviser responsible for acting on your behalf throughout the entire process.
Upon initial contact with your adviser at Nicholson Brown they will explain how we can assist and offer you a free no obligation initial consultation. Typically, most people like to meet our advisers face-to-face for the personal touch. However, if you prefer we are always happy to arrange everything over the phone, where your adviser will detail what documents and information will be needed for the initial consultation.
The initial consultation can be at one of our offices or, because we offer a personal service, we are happy to meet at a place of your convenience. Whether it be at your home, place of work or a local coffee shop, we will try to be flexible on hours.
The initial consultation is an opportunity for you to meet us and decide whether you will allow us to act on your behalf. It also provides an opportunity for your adviser to take down all the information that we need so that we begin working towards the most suitable mortgage or insurance products for your circumstances.
At this meeting your adviser will always provide you with a copy of our ‘client agreement terms of business’ and run through this thoroughly to ensure you fully understand how we operate and the services we offer.
So that we can provide expert mortgage and insurance advice we must first know about you and what you wish to achieve. The initial consultation is a relaxed conversation where we obtain all we need to know about you, and for us to detail all the options you may need to consider and answer any queries you may have.
In a typical mortgage consultation your adviser will outline the entire process in plain English. This will usually cover:
- All the costs involved from not only the lenders but also conveyancing, surveying and estate agency fees
- The types of deal available, along with the repayment options to consider
- Likely borrowing capacity
- Affordability
- Potential mortgage cost
- Mortgage agreement in principle
In a typical protection insurance consultation your adviser will cover:
- An explanation of the different products to consider. This will normally consist of Life Insurance, Critical Illness Cover, Family Income Benefit, Income Protection, Unemployment Cover and Private Medical Insurance
- How much cover you may need for your specific requirements
- Potential budgets
- The importance of providing accurate medical details to the insurers
Once your adviser has completed all the necessary research they will present your best options and explain why the selected products suit your individual requirements.
All paperwork relevant to this stage will be completed to enable your application process to be started.
Our advisers are supported by case managers who work on your behalf to progress your case as smoothly as possible once your application has been submitted.
You will be updated of all key stages throughout the process and once issued your mortgage offer and protection insurance terms will be fully checked to ensure they meet your requirements.
Your adviser and case manager are always available if you have any queries.
At Nicholson Brown we look to forge working relationships that will continue once your transaction has completed.
Your adviser will be available to act on your behalf to reassess your mortgage requirements throughout the term to ensure that you have the most suitable deal and arrange any remortgage accordingly.
The needs of Protection Insurance can often change, and our advisers are always willing to review your requirements and provide the necessary outcomes to ensure you are suitably covered throughout your life.
