Simple. Either complete your details in the apply now section and your information will be sent straight to one of our experienced advisors. They will then call you directly to talk through your details and take any more information they need for you. We'll then set to work searching for the right mortgage product from the whole of the mortgage market. Once you have chosen the best product from those presented to you we will manage the whole application process through to completion.

Not keen on supplying your personal information over the internet? Then call us direct on 0115 960 1279 or visit any one of our Nottingham branches in Arnold, Beeston or Mapperley.

Yes. We also offer a range of insurance and protection policies for both you and your home. We will search a range of insurers for the best deals available ensuring you have adequate protection for your property and your loved ones.

Click here for more information on our insurance products.

Our dedicated mortgage advisors will let you know exactly what you will need to supply us with to support your application and can even email a list of documentation that we require. Each lender asks for different things but typically you will need to provide:

• Three months of payslips
• Bank statements
• Proof of identity
• Proof of address
• Proof of deposit
• Existing mortgage statement (if applicable)

We will ask you send us the original documents (as all lender require that we certify the originals) and we will get these back to you as soon as possible.

The Independent Mortgage Shop looks after the whole process from start to finish and handles every application from within our own team of advisors. You will be allocated to an individual consultant who will progress the whole application through to completion dealing with any issues that arise along the way. They will stay in touch with you via phone and email and request further information from you where necessary. If you feel more comfortable sealing with an advisor face-to-face, then please feel free to call and arrange an appointment to meet one of our advisors face-to-face at our Nottingham branche sin Arnold, Beeston, or Mapperley.

We do not sub-contract out any of our work – the whole process is carried out by our specialist mortgage teams. To find out more about The Independent Mortgage Shop click here.

Not all lenders advertise their products on price comparison websites and those that do don't necessarily offer cheaper rates. Rather than use a website search engine to find you the best mortgage we have trained advisors on hand to search through the market for the correct deal for your circumstances.

Once you have chosen a deal on a price comparison site they direct you straight to the lender and then the whole process is up to you. We aim to remove the stress of finding the right mortgage and look after the whole process on your behalf. Once your application has been submitted we liaise with the lender to ensure they have everything they need. We also talk with the estate agents to ensure they are fully informed as to how far your financial position has progressed and let your solicitors know as the process develops.

More importantly though, we keep you informed every step of the way.

APR stands for Annual Percentage Rate. A lender is always required to quote the APR when advertising a loan or borrowing rate. The lender will usually quote the headline rate and the APR next to it. The headline rate states the rate of interest you pay per month or per year on the mortgage, while the APR is based on the total amount that will be paid over the entire period of the loan. It also takes into account any charges that the borrower has to pay during the loan period.

Early repayments charges (ERCs) are charges levied by the mortgage lender on the customer in the event that the loan is repaid in full or in part before a date specified in the contract. Fixed-rate, capped-rate, cashback and discount rate mortgages commonly carry early repayment charges that can in some cases persist long after the initial special rate itself has expired. This can make it prohibitively expensive to move to a rival lender in the first few years of the loan. We will always point out any early repayment charge and how it changes over time.

Stamp Duty (Land Tax) is the tax you pay when you buy property. If the purchase price is £125,000 or less you don't pay any Stamp Duty Land Tax at all. If it's more than £125,000, you pay between one and four per cent of the whole purchase price, on a sliding scale.

These are the current Stamp Duty Land Tax rates based on purchase price:

Up to £125,000 - 0%
£125,001 to £250,000 - 1%
£250,001 to £500,000 - 3%
£500,001 or more - 4%

The amount of stamp duty you will be required to pay depends on your purchase price and can be calculated by using the table above. This amount is usually paid over by your solicitor who will arrange for this on your behalf as part of the conveyancing.