Buying or remortgaging comes with a lot of decisions. We’ll help you find the right option and keep the whole process straightforward.
A mortgage is one of the biggest financial commitments you’ll make. It needs to fit not just your current situation, but everything else you’re working towards.
We bring mortgage advice and financial planning together, so your decisions are made in the context of your wider finances.
Whether you’re buying your first home, remortgaging, or managing property investments, we’ll be here to guide you every step of the way.
Getting a mortgage isn’t just about finding an interest rate. It’s about understanding what works for your circumstances, now and in the future.
Julian brings more than 35 years of experience across all areas of lending, from first-time buyers to complex cases involving self-builds, portfolio landlords and larger loans.
He takes the time to understand your situation, explain your options clearly, and manage the process from application through to completion, so you always know where you stand.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing debts against your home.
Cover will cease on insurance products if premium payments are not maintained.
From your first enquiry to the final sale, we guide you through each step clearly and carefully.
The process begins with an initial telephone conversation to fully understand your requirements, circumstances, and objectives. We will very quickly be able to tell you if we think we can help you with your requirements.
At this stage, we will provide you with a copy of our Initial Disclosure Documents and request that you sign our Retail Client Agreement, which includes a data protection statement. This allows us to start recording the information needed for the advice process. We will also give you a full list of documentation you will need to provide as part of the process.
The next stage will involve a meeting, in person or on Teams/Zoom. This is a relaxed, no‑obligation discussion where we take the time to listen carefully to what you want to achieve, discuss your personal and financial circumstances, explore your short‑ and long‑term plans, and identify any potential complexities.
This is the ideal time to provide as much of the documentation as requested, as our assessment will need to take place before we can make any recommendations. Assessing your budget requirements and long-term affordability of the mortgage required is a significant part of this meeting. Once you purchase your dream home, you want to ensure you can continue to afford it, whether interest rates change or a planned change in circumstances occurs. We will discuss protecting your mortgage in case of unexpected events.
From this meeting, we assess how we can best help you and the value we can add to your mortgage journey. If we have enough information at this meeting, we can then conduct the necessary research and provide you with a mortgage illustration.
After we have answered all your questions and you feel confident to proceed, we will gather any remaining documentation needed and be ready to submit an application to the lender.
This stage may involve us liaising with other professionals, such as your accountant or lawyers, to ensure we understand all matters that may be relevant to your purchase/remortgage. This ensures the smoothest possible journey ahead.
When ready, a Decision in Principle is initially sought from the lender, which provides a level of comfort that they look to provide a mortgage offer, subject to verification of the information provided and a satisfactory survey.
You may have already found a property and had an offer agreed, or be remortgaging/transferring a product. In which case, an application could proceed directly after the Decision in Principle is complete, but for some, you may still be in the process of looking for a property at that point, and want the comfort of knowing the mortgage will be available before making an offer.
In this case, once a property has been found and an offer accepted, we will meet again to go through mortgage options in detail, as these may have changed if some time has passed.
This includes updating the interest rates, lender product fees, solicitor costs, estate agency costs (where applicable), and all other associated buying and selling expenses related to the specific property found.
Following this, and upon agreement from you, we would make the full mortgage application on your behalf.
The lender will arrange a valuation of the property and complete full underwriting, assessing all the documentation provided.
We manage all communication with the lender, address any queries raised, and keep you fully informed.
Once the lender is satisfied, a formal mortgage offer is issued.
Although the legal process is handled primarily by solicitors, this remains a crucial stage.
We continue to support you through to the exchange of contracts and completion, assisting with any issues that arise and using our experience to help resolve problems efficiently.
Our relationship does not end at completion. We remain available to assist with future remortgaging, rate reviews, changes in circumstances, and any mortgage‑related queries.
Select your life stage below.
Whether you have a specific question or just want to see if we’re the right fit for your family, we’d love to hear from you.
Strativa Financial Planning Limited is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107. Strativa Financial Planning Ltd is registered in England and Wales. Registered number: 12715626. Registered office: Junction Cottage, South Gorley, Fordingbridge, Hampshire, SP6 2PP.
The information and guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
This website is for information purposes only and does not constitute financial advice, which should be based upon your individual circumstances.
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