The INCA process and what to expect
1. Say hello
You get in touch (or someone sends you our way). We’ll have a quick chat to understand what you’re trying to do and whether we can help.
2. Let’s talk properly
We’ll book a free consultation — phone, video, or in person. You can tell us about your plans, and we’ll explain how the whole thing works, what’s involved, and how we operate.
3. Share the essentials
You’ll get access to a secure online portal where you can upload your documents. We’ll ask a few questions, but then we’re ready to go.
4. We do the legwork
You get in touch (or someone sends you our way). We’ll have a quick chat to understand what you’re trying to do and whether we can help.
5. Get pre-approved
We’ll book a free consultation — phone, video, or in person. You can tell us about your plans, and we’ll explain how the whole thing works, what’s involved, and how we operate.
6. Apply for mortgage
You’ll get access to a secure online portal where you can upload your documents. We’ll ask a few questions, but then we’re ready to go.
7. Wait
The lender does their checks and values the property. We keep an eye on everything, chase what’s needed, and keep you in the loop.
8. Mortgage offer
The lender issues your formal mortgage offer. We’ll go through it with you and explain the next steps so nothing’s a surprise.
9. Legal bits kick off
Your solicitor gets to work on the legal side. Contracts, searches, and everything else. We stay involved here too, keeping things moving and answering questions.
10. Contracts exchanged
Once everything’s in place, you’ll exchange contracts and pay your deposit. At this point, the deal becomes official and a completion date is set.
11. Completion day
Funds are transferred, the property is officially yours, and you get the keys. Time to celebrate.
12. Here if you need us
We check in after completion, help with protection or remortgage options if needed and stay in touch. Most clients come back. We like it that way.