What mortgage lenders do you use?

We have access to more than 90 lenders across the UK including all the well-known high street providers e.g. The Halifax (Lloyds Banking Group), Nationwide, Santander & The Royal Bank of Scotland along with many lenders you may not have heard of before like Darlington, Bank of China, Newbury and Shawbrook.

What type of documents do I need to get a mortgage?

Not an exhaustive list but the following should cover most mortgage applications that we submit: Proof of identification Proof of address 3 months’ payslips. 1 or more years’ worth of income proof assuming self employed e.g. accounts or Tax Computations Bank statements Proof of deposit

Why would I not just use my own bank to obtain a mortgage?

Your bank only has a small suite of mortgage options to choose from at any given time and it’s statistically highly unlikely that you will be getting the best rate available. Stisi Group has access to over 12,000 mortgage products and we will always ensure we get you the best rate available from this huge […]

What is the process of buying a property?

The Scottish and English system of buying property is very similar and there are steps listed below that you would look to follow: Speak to your Mortgage Adviser at Stisi Group first and establish how much you can borrow. Set the monthly budget on how much you can comfortably spend each month on your mortgage […]

Do I need a decision in principle?

A decision in principle (DIP) or acceptance in principle (AIP) is an absolute must from the time you decide you are serious about buying a property. A DIP will provide you with the comfort that if you do find your new dream home or investment property that you are ready to put an offer in […]

How long does it take to get a mortgage?

This is one of the most popular Mortgage FAQs. From the point when we are ready to submit your mortgage application to the point when the lender produces a physical mortgage offer will average between 1 and 3 weeks. Of course, all circumstances are different, but we can confidently say in the thousands of applications […]