How it works
From first conversation
to your next chapter.
A clear process, a personal point of contact and practical help at each stage. Here’s what your mortgage journey with Flagship can look like.
Five clear stages
Know what happens next.
01
We listen to your plans.
Tell us what you want to do and when. We explain the scope of our service, any fees and lender payments, then agree what information we need to understand your circumstances.
- Discuss your home, finances and priorities.
- Choose a phone or video appointment.
- Understand our service before you proceed.
02
We understand your circumstances.
We review your income, spending, deposit, commitments and relevant credit history. This helps us assess which mortgage options may be suitable and what evidence a lender could need.
- Build a realistic view of affordability.
- Identify important product or lender criteria.
- Explain any proposed credit search beforehand.
03
We research and recommend.
We compare suitable products across the mortgage market available through intermediaries. We explain our recommendation, the costs, features and any important limitations, and provide the relevant mortgage illustration.
- Understand why the recommended mortgage fits.
- Review interest rate, fees, term and repayment structure.
- Ask questions before committing.
04
We help with the application.
With your agreement, we help gather the documents and prepare the application. We liaise with the lender and keep you informed about requests, progress and next steps.
- Provide documents through an agreed channel.
- Respond to the lender’s assessment and valuation requirements.
- Review any conditions attached to a mortgage offer.
05
We support you towards completion.
A mortgage offer is an important milestone. We explain the offer and remain available as the legal work and completion arrangements progress. Completion timing depends on the lender, legal work and any property chain.
- Understand your offer and repayment obligations.
- Stay informed about the remaining steps.
- Discuss a future review when your needs or deal change.
Advice around your life
A conversation.
Wherever you feel at home.
Our appointments are provided by phone and video. You can talk through your circumstances, ask questions and understand your options without travelling to an office.
Ready to take the first step?
You can begin with a short enquiry. We’ll contact you to arrange a conversation about your plans.