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Mortgages

Mortgage: A loan secured on property.

Fox Davidson secure all types of mortgages; Residential mortgages, Buy to let mortgages and Commercial Mortgages.

Little India, Singapore

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Homeowner Loans.

Residential mortgages are loans secured against property that either you or your family will occupy. This could be a loan on your main residence, a loan on a property for a dependent relative or a holiday home for your own use.

As an independent mortgage broker, Fox Davidson search 1,000’s of mortgage products and secure the most cost effective mortgage solution to match your situation and your homeowner mortgage needs.

All residential homeowner loans are regulated by the Financial Services Authority. All regulated loans are subject to stringent checks by the mortgage broker and the mortgage lender.

As a minimum the following will paperwork will be required to process a residential mortgage application:

  • Proof of ID
  • Proof of Address
  • 3 Months Bank Statements
  • 3 Months Payslips or 2 years Accounts/SA302’s and Tax Overview Forms
  • Proof of Deposit for Purchases

The Mortgage Application Process.

  • Application made to the mortgage lender
  • Documents uploaded to the lender to support the application
  • Application agreed subject to a survey
  • Survey received back from the surveyors and assuming no essential repairs and the property valuation is acceptable
  • Mortgage offer produced
  • Solicitors work to draw down the funds and complete on the purchase or remortgage

The whole application to completion timescale for a homeowner mortgage is around 6 weeks for a remortgage and approx. 2 – 3 months for a purchase. Your mortgage broker and allocated administrator will look after the whole process for you from application through to completion. They will liaise with you to keep you updated but will also liaise with the estate agents, the surveyors and the solicitors to bring about a swift conclusion.

 

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  • Mortgage Strategy Awards Finalist

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