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Tel. 01303 479848 / 07950 657468

Mortgage Advice

Having the right mortgage advice can save you money, time, and stress.

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Home Buying

Before buying a home you need to find out how much you can borrow. I can do this by checking lenders affordability calculations and reviewing your credit report.

Most lenders require a 10% deposit, there are a few who only ask for a 5% deposit.

Some property sales attract a tax known as stamp duty. You can visit this link to see if it will apply to your property purchase

All property sales follow the same process this is:

  1. Find out what you can borrow and how much deposit you need
  2. Make an offer on a house you wish to buy
  3. Once this is accepted apply for a mortgage decision in principle
  4. Submit a full application to the mortgage lender and provide 3 months payslips, bank statements and any other documents requested
  5. A valuation is carried out by the lender
  6. The lender issues a mortgage offer
  7. Your solicitor carries out the legal searches
  8. You exchange & complete (normally a week in-between)

Alicia Baker Consultancy   
10 Castle Mews
CT20 2BU
Phone: 01303 479848
Mobile: 07950 657468

E-mail: alicia [at]

Alicia Baker - Financial Advisor
Alicia Baker
Alicia Baker Consultancy is a trading style of Alicia Baker who is an appointed representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority.