Ocean Mortgages is a trading style of Ocean Finance and Mortgages Limited who are a licensed credit broker. Consumer Credit License Number 550081.
Standard Checklist...
To ensure rapid completion of your mortgage enquiry it is advisable to spend a
few minutes going through this checklist to ensure that we have all the correct
information.
- About Yourselves
Please ensure that we have your correct legal names, for example if you are
known as "Dave" but on your birth certificate your name is "David", then we must
use the name on your birth certificate. Do you have any middle names that you do
not use and therefore are not included on the enquiry form? If so, please
insert any middle names as we must have these.
- About Your Current Mortgage
Please ensure all mortgage arrears (if any) have been clearly stated including the
highest the arrears have been within the last 12 months.
Also, you must advise us if there are any other loans secured on your property
with any other companies. If so, we require your estimate of the current balance
and name of the company. Please ensure that all persons who own the
property are included on the enquiry form.
- About Your Property
In view of the current housing market please ensure that the current value of your
property stated is realistic. We will probably have no idea of property prices in
your area and therefore rely on you the customer to supply a realistic valuation
figure. Your figure should be based on the selling price of similar properties in
your area. If you purchased your property from the local council / housing
association, the purchase price (on the form) is the value of your property
provided by the council when you purchased it, before any discount.
- About Your Mortgage Enquiry
If you decide to change your mind after today, this could cause a delay, so
therefore please ensure that:
a) You are borrowing the correct amount required. (Please state the maximum amount
you require). If for any reason we are unable to provide the full amount requested,
we would NOT decline you, but would advise you of the maximum offer available.
Your dedicated mortgage adviser will agree the term and monthly repayments with
you.
b) That you have considered carefully the Accident, Sickness and Involuntary Unemployment protection. The
insurance page is a guide only and cover may vary slightly depending on your circumstances.
c) If you do not wish to clear your mortgage with the new advance then you may require a loan instead.
In this case please visit our loan site.
Please bear in mind that as we provide mortgage advice we will need to establish
which product is most suitable for your needs and individual circumstances. We will
do this by completing a 'FACT FIND' with you over the telephone. This will take between
30 and 45 minutes. We will call you AFTER receiving your enquiry form, to
carry this out at a convenient time for you. You will not be expected
to pay for this call.
A Simple Four Stage Process >> 
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