How it works

How Major Money Matters works

Clear, simple, honest. What to expect from the first conversation through to the day you collect the keys, and beyond.

Most clients call us not knowing exactly what they want, or what they can have. That is fine. The first call is the fact-find: we work out what is realistic, what the lender pool looks like for your profile, and what the next sensible step is. From there we run the case end to end. Below is what that actually looks like.

The five steps

From first call to long-term relationship.

1
Fact-find call

A quick 15-minute call to understand your situation. What are you trying to achieve? What is your income, deposit and employment? What is your timeline? No credit check, no obligation. By the end of the call you will know your realistic borrowing maximum and whether proceeding makes sense.
2
Agreement in Principle

We source the most suitable lender for your profile and arrange a soft-search Agreement in Principle (AIP). It usually returns within 24 to 48 hours. This gives you written confirmation of how much a lender will lend, making your offers on property stronger. Soft search has no impact on your credit file.
3
Full application

Once you have an offer accepted on a property, we submit the full mortgage application. We handle lender queries, chase the valuation, and keep everything moving. Target timeline from submission to mortgage offer is two to four weeks depending on lender and case complexity.
4
Protection alongside

Running protection alongside the mortgage is what most brokers skip. We do not. Life cover, critical illness, income protection: whatever is right for you, quoted and placed by Ollie Allen or one of the Major Money Matters protection team so you are covered from day one.
5
Long-term relationship

Most mortgage brokers finish when your mortgage completes. We do not. Your adviser is the one you will call for your remortgage in two to five years, when you move house, when you start a buy-to-let, or when a family member asks who they should talk to. That continuity is the point.

How we get paid

We are open about this because it matters. On most standard residential mortgage cases we are paid commission by the lender when the mortgage completes, meaning you pay us nothing direct. This is the default for the majority of applications.

We do not charge a broker fee for our advice on any case, however complex. We are paid by commission from the lender when the mortgage completes. Third-party fees during the homebuying process (a lender product fee, a valuation fee, or your solicitor's legal fees) may apply; these are not our fees and are always disclosed before you commit.

For protection business we are paid commission by the insurer, again, no direct cost to you.

Reviews

What our clients say

Real reviews from clients across Romford and Essex, verified on Google.

Rated 5.0 out of 5 from 92 Google reviews Read the reviews on Google

    
 
 
       Posted on Google  
   
   Paul Maysmith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Always a great experience. Thanks to Mark Potter, Chantel Smith on the mortgage side and Oliver Alan on the insurance. Can't recommend the team highly enough.
  
 
      Posted on Google  
   
   Ramona Iuga 
 
 
 
 Trustindex verifies that the original source of the review is Google. 5 stars service,Mark and the team always offer a great service and support all the way,highly recommended.
  
 
      Posted on Google  
   
   Fancy Window Cleaners 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from Mark and the team as always.
  
 
      Posted on Google  
   
   Kelly Sainty 
 
 
 
 Trustindex verifies that the original source of the review is Google. The second time we’ve used major money matters and cannot fault anything! Both Mark and Chantel as helpful as ever
  
 
      Posted on Google  
   
   Amy Phillips 
 
 
 
 Trustindex verifies that the original source of the review is Google. A huge thank you to Billy for all his support throughout my mortgage process. He was knowledgeable, approachable, and always happy to answer my questions, making everything easy to understand and much less stressful. His advice and guidance were invaluable, and I always felt confident I was in good hands. I really appreciate all his help and would highly recommend him to anyone looking for a fantastic mortgage advisor. Thank you, Billy!
  
 
      Posted on Google  
   
   Robert Larkey 
 
 
 
 Trustindex verifies that the original source of the review is Google. Top quality service no fuss straightforward advice and actioned quickly once right product decided on
  
 
      Posted on Google  
   
   Montell Chukwu 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was recommended major money matters through a friend and they haven’t been short of fantastic, Oliver Potter who handle my mortgage offered a perfect service, can’t recommend them enough!
  
 
      Posted on Google  
   
   Billy Camden 
 
 
 
 Trustindex verifies that the original source of the review is Google. The whole team at Major Money Matters are an absolute dream to work with. Their expertise, speed and friendly approach made what we thought was going to be an arduous process quick and simple. Mark, Oli and Lee were always just a phone call away if we had any questions and provided clear and easy to understand advice/guidance. We would recommend their services to anybody.

Start with the fact-find

A quick 15-minute call. No credit check. By the end you will know your options and your realistic maximum.

Book a quick 15-minute call Call 01708 629 983

Mon to Fri 9am to 5pm, weekend appointments on request.

How Major Money Matters works

Fact-find call

Agreement in Principle

Full application

Protection alongside

Long-term relationship

How we get paid

Start with the fact-find