Residential Mortgages

Residential mortgages secured on property that you or your family will own and occupy. We offer property purchase and re-mortgage rates from the whole of the market.

San Francisco, California

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Residential Mortgages

A residential mortgage is a loan on your main residence, a second home or holiday home & also refers to lending on a Buy to Let. Fox Davidson are residential mortgage brokers and serve clients across the globe wishing to finance UK residential property.

The UK mortgage market is one of the most complex in the world with thousands of mortgage products to choose from. As an independent mortgage broker we have access to products from high street banks and building societies as well as broker only lenders including some exclusive products.

Using a mortgage broker has many benefits:

  • Instant access to 1,000’s of mortgage products
  • Advice from qualified mortgage advisers
  • We get it right first time so no wasted time applying to lenders that eventually say No!

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.

We have added some tools to this site to help you:

  • Our house purchase stamp duty calculator will tell you how much stamp duty your new home will cost you.
  • The budget planner can be used to work out other costs such as solicitors and survey costs as well as general moving costs.

When you are ready to proceed; Fox Davidson will liaise with the estate agents, solicitors and the surveyor to ensure the purchase transaction is as smooth as possible.

We help to ensure that purchasing or re-mortgaging your home is as straightforward as possible and we will answer any queries you have with regards to the process.

If you are looking to remortgage your existing property, move home or purchase a buy to let then contact us for Independent residential mortgage advice.


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