Your mortgage is probably the largest and most important loan you will ever undertake, so it's vital that you get the right advice. We normally have over 12,000 different mortgage deals available at any one time, from over 400 different lenders. We bring these deals to you, rather than you having to go from establishment to establishment, often being asked the same questions over and over again. With us it’s just one appointment to gather all the relevant information and then after researching the market a solution to your needs. Some lenders allow 100% mortgage borrowing for first-time buyers Lenders have realised that sometimes people do not have deposits or need to borrow funds over the property value to improve the property when they move in. There are now specialist schemes available that can offer all this and much more. We advise and recommend the best product for your needs Your adviser will take details of your current financial situation, your income and employment history, regular expenditure, any loans or credit and past credit history. From there they will get an idea of what type of scheme you are looking for by gathering factual information on your current financial situation and what your hopes are for the future. Specialist deals that are not on the high street Because we are part of a network of mortgage advisers we have purchasing power and a number of different schemes not available on the high street. Advise on insurance policies to ensure adequate cover is in place During the house buying process you may need advice on other areas of your finances. You may need life assurance, critical illness cover, income protection or just the basic contents insurance. Most lenders will ask for buildings insurance paid by you to protect their investment in your property. We guide you through what is required and find the best solution to your situation and tailor make advice to suit your needs. Liaise between the estate agent and solicitor Because we are used to the house buying process, we are your point of contact. We deal with estate agents and legal professionals on a daily basis, so we know what is required at which point in the process. Having this knowledge means we can anticipate potential problems before they arise and make the whole process run smoothly. Educate clients so they become far more financially aware We like to think that after you have purchased your property through us, you will be far more financially aware of how the house buying process works. Our free newsletter we will keep you up-to-date with current topical financial issues as they arise. Develop a flexible solution so you can plan as your life changes Over the next 25 years your life and career will alter greatly and your mortgage needs will change as well. You might win the lottery, or gain a top-flight job with a fast rising income. The choices you make initially need to be flexible enough to move with you. Our experience will guide you through the stress of housebuying They say that the house buying process is even more stressful than getting married. Our job is to take the stress away so you can relax and enjoy it (if possible). Outline the maximum mortgage available before you look at property We can normally give you a rough idea of how much you can borrow in 15 minutes. This means that before you start looking you will have a budget in mind ready to negotiate. Report based on your circumstances All our advice is put in writing in the form of the Knowledge Report. This document will form part of our advice to you. Call Prior Knowledge today on 0800 804 8464 and make a convenient appointment in the comfort of your own home. Your home may be repossessed if you do not keep up repayments on your mortgage For mortgage advice we can be paid by a commission or fee of usually 0.4% Prior Knowledge - bringing the high street to your home | 
