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Because most people take only out an average of two or three mortgages in a lifetime the mortgage process remains a daunting one for most borrowers. This need not be the case.

When meeting a prospective client we take our time to detail comprehensively the various stages of the mortgage process. This is important as it gives the borrower a structure and a time-scale to follow, making the whole process gel together more easily.

Rarely are two mortgage applications completely alike but we have detailed here the typical process for first time buyers entering the mortgage market. This guide can simply be amended to suit your own particular situation/application.

Frank Lenny Financial Services limited is regulated by the financial regulator.

Remember your home is at risk if you do not keep up the payments on a mortgage or any other loans secured on it.

We are a member of the Independent Mortgage Advisers Federation (IMAF) and the Professional Independent Brokers Association (PIBA).