1. What is a Mortgage Certificate?

A Mortgage Certificate is a document provided by a Mortgage Intermediary or Lender, that gives an indication of the maximum amount a borrower can borrow by way of Mortgage Facilities.

It is most widely used by people who are thinking about moving home or buying new property.

The House Hunters Personal and Financial circumstances are taken into account and then applied to a standard Lending criteria.

The Standard Mortgage Certificate is not issued with any one Lender in mind - but issued after taking into account average Lending criteria across the Mortgage Industry.

Mortgage Excellence have many years experience within the Industry and can provide solutions for all borrowing needs.

As soon as a property is found, Mortgage Excellence will replace the Certificate with a firm borrowing agreement from the Lender of your choice. Our staff provide full assistance to help you make an informed choice.

2. How much does it cost?

The Mortgage Certificate is provided totally free of charge.

3. What is the benefit of the Mortgage Certificate?

A prospective house-hunter who has obtained a Mortgage Certificate will have an advantage over a buyer who has not obtained a certificate.

All sellers of property want to be sure they are dealing with someone who is genuine before agreeing to reserve a property and take it off the open market.

Without the certificate it could be much more difficult to get a seller to agree to this and you may find someone else gets in before you.

Properties can be lost in the first couple of days after they have been found - this will help protect you against this happening.

Additionally, it is always a good idea to know how much you can borrow before you start hunting to know what is in your price range.

4. How do I apply for a Mortgage Certificate?

You can apply by completing the simple application form contained within this web site. (click here)

As an alternative, or if your circumstances are particularly complicated) you may care to contact our call centre staff who will help you accordingly.

5. Does the Mortgage Certificate obligate or commit me to anything?

Absolutely not. The issue of the Mortgage Certificate is merely the first (and arguably most important) step in the House Buying process. It just provides assistance while you are looking.

No commitments or decisions need to be made until later in the process - and this is not usually until you have found a property to buy.

CLICK HERE TO APPLY FOR A MORTGAGE CERTIFICATE