It’s exciting, it’s daunting – we are here for you every step of the way.

We can help you with your budgets and even get you pre-approved with an Agreement In Principle with a lender.

Looking at a new build property? We’re specialists in buying properties off plan.



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Boost your Chances of Mortgage Approval

Buying a home is likely to be the biggest expense of your life, so you need to be prepared. Discovery Mortgage Services helps you take that first step onto the property ladder.


Are you a Sure Bet?

Lenders are under no obligation to give you a mortgage, so let’s consider things from their perspective. Would you lend money to someone with no obvious way to pay it back? I know I wouldn’t!

So, to optimise your chances of mortgage approval, you need to take control of your finances. It is time to prove you have the means to repay.

A good place to start is to create a budget detailing all of your income and expenditure. There might be a few surprises in store when you add everything up!

Now work on putting yourself in a stronger financial position, by following our Top Tips. If homeownership is your goal, establish good financial habits and realise your ambition.



Top Tips: Preparing for a Mortgage Application

  1. Check if you are on the Electoral Roll (register for free if you are not)
  2. Know your credit score (free credit reports will show your track record)
  3. Set up Direct Debits to ensure bills are paid on time
  4. Avoid using your overdraft facility
  5. Cut all non-essential spending
  6. Work to clear outstanding debts
  7. Cancel unused credit or store cards
  8. Save as much as possible for a deposit
  9. Get your paperwork in order; payslips, P60, bank statements, ID and Proof of Address



Is now the Right Time to Apply for a Mortgage?

Have you spotted a great property in your ideal location? Sounds great, but before you book a viewing, consider if this is the right time to buy. We are still in a time of incredible uncertainty – are you confident that your job is secure? If your company has thrived through lockdown, is the chance of a promotion on the cards? A few more months of hard saving would boost your deposit.

Remember; the goal is to be confident that you can afford the mortgage repayments and to evidence this to the lender. Holding fire could put you in a favourable position.

Help for First Time Buyers With so many things to consider, the process of buying a property can be daunting. Book an appointment with Discovery Mortgage Services and we will clearly explain what’s involved.

We will answer your questions about Leasehold or Freehold, Help to Buy, Shared Ownership and Guarantor mortgages, so you can make informed decisions.



How Much Can I Borrow?

Every buyer wants the answer to this question!

With your finances in order, we can filter through potential lenders to find the best option for your circumstances. Discover how much you can borrow, so you search in the right property price bracket.

From Agreements in Principle to finalising the paperwork, we will guide you through the process. Let Discovery Mortgage Services reduce the stress, so you can focus on the excitement of moving into your first home.

Are an appointed representative of the award-winning JLM Mortgage Services Network. Our mortgage specialists offer independent mortgage advice tailored to your specific circumstances. We help our customers with their mortgage and insurance needs.

“Gee spent time explaining different mortgages to me very succinctly and clearly. He thought outside the box on many options available to me more than other advisers from the past.