Mortgage Advice

Advice Process

Working with Prosperity Wealth

At Prosperity Wealth, we put you, the client, at the centre of everything we do.
Working together to achieve your goals, our advisers will act in your best interests to help you build and retain wealth.

Discovery Meeting

The initial meeting is at our cost and you will meet with one of our specialist advisers so that they can begin to understand your needs. The mortgage process will be explained, the service we provide and the fee we charge. Your adviser will look to gather the relevant information to enable to correct research to be carried out.


Following on from our initial meeting, we will begin our research in accordance with your needs, the criteria applied by lenders and your preferences. As we are completely Independent, we have an extensive range of lenders and providers at our disposal.

Present Recommendations

During your second meeting with your adviser they will present their recommendations to you. You will receive a full breakdown of the product, costs, timescales involved and the next points of action necessary to progress your application.

Decision In Principle

Once you are happy with the recommendations and you are comfortable that you'd like to take things to the next stage, we will obtain your instruction to apply for a Decision in Principle. Lenders will carry out a credit search in order to grant this, we will also need to provide them with your financial details.

Following acceptance you will proceed to a full application, should you wish to go ahead with any Protection recommendations these will also be completed at this stage.

Progress to Completion

Although the application has been submitted, our involvement does not end there. Your adviser will ensure that your application is progressed as quickly as possible. You will receive regular updates from your adviser, who may need further documentation from you depending on the lenders needs.

From start to finish we aim to provide you with the best value mortgage and protection that we can find based on your criteria and preference(s). Your adviser will do everything they can to work your timescale and help to simplify the process supporting you from finding out your borrowing capability right through to completion.

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