Getting Started
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Application
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Approval
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Completion
No Broker Fees
'Excellent' Reviews
Access to 90+ Lenders
FCA-Regulated
A Trusted Mortgage Process
At Boon Brokers, we make the mortgage process simple. As a UK mortgage broker, we guide you from enquiry to completion in 6 clear steps and provide expert support from start to finish.
From your first consultation through to completion, you can track your application at every stage through your secure client portal.
Explore our process below and start your mortgage journey.
Getting Started
Application
Approval
Completion
6 Step Process
Get Started
Enquiry
Complete our 2-minute form with a few key details about your financial situation. Once submitted, you’ll be matched with a dedicated broker who will deal with your case from start to finish.
Consultation & Client Portal
We discuss your goals, assess affordability, and explain your mortgage options. You’ll also get access to your secure client portal to track your case progress and download your documents.
Agreement in Principle (AIP)
We’ll secure your AIP so you know what you can borrow. Think of it as a green light to move forward with an application - it’s not your final mortgage offer just yet.
Find Your Mortgage Deal
We search the whole market to find the mortgage that best meets your needs and manage your application process every step of the way.
Mortgage Offer
The lender reviews your full application and property, including checks such as underwriting and valuation, before issuing your formal mortgage offer.
Completion
Your solicitor finalises the paperwork and your mortgage is complete. Your mortgage expert will next be in touch with you when your deal is ready to remortgage.
Your Client Portal
After your consultation, we will set-up your account on the Client Portal. The portal is simple and easy to use for everyone on desktop, tablet or mobile.
You’ll be able to:
- Track your mortgage progress from start to finish
- View your application timeline and next steps
- Download case documents
- See what information is required
- Access your adviser’s contact details
You’ll also receive updates by text and email as your case progresses.
Why Honesty Matters
Even small details can affect lender decisions, so it’s important everything is disclosed from the start. The more we know, the better we can support you and find the right solution for your situation.
We’re here to help, not judge.
Mortgage Process Glossary
Your Mortgage Process
Agreement In Principle (AIP)
An AIP is an initial approval from a lender confirming how much you may be able to borrow. It’s not legally binding and is not your final mortgage.
Your Mortgage Process
Full Mortgage Application
This is when we formally submit your application to the lender. They’ll review your documents, carry out checks, and assess the property before making a final decision.
Your Mortgage Process
Valuation Fee
As part of your application the lender will arrange a valuation of the property to ensure it's of suitable security for the mortgage. This fee (if applicable) is paid directly to the lender or surveyor - not us.
Your Mortgage Process
Underwriting
Underwriting is when the lender reviews your application in detail, checking your finances, documents, and the property before making a final decision.
A team you can count on...
Frequently Asked Questions
Will I Have a Dedicated Mortgage Adviser?
Yes. When you work with Boon Brokers, you’ll be assigned a single dedicated mortgage adviser who will support you throughout your journey. They will take the time to understand your circumstances, goals, and preferences so your advice is always tailored to your needs.
We do this so that you always have a single point of contact who knows your case inside and out and this also means you always know who to speak to if you have questions or need updates. This helps build a trusted relationship and ensures continuity, whether you are buying, remortgaging, or returning to review your options in the future.
We do this so that you always have a single point of contact who knows your case inside and out and this also means you always know who to speak to if you have questions or need updates. This helps build a trusted relationship and ensures continuity, whether you are buying, remortgaging, or returning to review your options in the future.
Do I Need to Prepare Anything Before the First Call?
To make your consultation as useful as possible, we encourage all our clients to log in to their client portal and complete an online fact-find before the first call. This helps us understand your circumstances so that we can help get you straight off the mark and make our first conversation more productive.
The first call is primarily for you to meet your personal adviser and have them guide you through exactly what information is needed and explain the next steps clearly. If any documents are required later, we’ll let you know in plenty of time so you can gather them without pressure.
The first call is primarily for you to meet your personal adviser and have them guide you through exactly what information is needed and explain the next steps clearly. If any documents are required later, we’ll let you know in plenty of time so you can gather them without pressure.
Can I Complete My Mortgage Online?
Yes. Boon Brokers operates as an online mortgage adviser, and so the mortgage process can be completed entirely online. We have optimised all of our services to be simple and convenient so that you can progress your application wherever you are. Documents can be shared securely, forms completed digitally, and appointments arranged by phone or video call.
What Happens If My Mortgage Falls Through?
If a mortgage application doesn’t proceed as planned, your dedicated adviser will work with you to understand exactly what happened and explore all alternative options. You'll never be charged for advice or arrangement at any stage, even if your mortgage falls through. We know that cases can sometimes fail for reasons outside of your control, and we believe it isn’t right to pass that cost on to you.
Because we compare options across the market, we can often identify other solutions and help you move forward with confidence rather than starting again. This might involve approaching a different lender, adjusting the application, or reviewing timing depending on your circumstances.
Because we compare options across the market, we can often identify other solutions and help you move forward with confidence rather than starting again. This might involve approaching a different lender, adjusting the application, or reviewing timing depending on your circumstances.
Is There Any Obligation to Proceed Once I Start?
No. Boon Brokers holds a no obligation policy. This means that there is no obligation to continue with your mortgage application simply because you’ve spoken with us or started the process. Our role is to provide expert advice and to help you understand all of your options so that you can make informed decisions at your own pace.
You remain in control throughout, and you can choose whether or not to proceed once you’ve reviewed your recommended mortgage solution.
You remain in control throughout, and you can choose whether or not to proceed once you’ve reviewed your recommended mortgage solution.
Will You Review My Mortgage in the Future?
Yes. Our support doesn’t stop once your mortgage completes. Six months before your mortgage product is due to expire, our automated system will send you a reminder by email, text, and letter. Your original broker will then be in touch to discuss your options and help process the remortgage well in advance of the expiry.
By reviewing your mortgage regularly, we help ensure your arrangements continue to match the most competitive deals suited to your circumstances as your plans and finances change over time.
By reviewing your mortgage regularly, we help ensure your arrangements continue to match the most competitive deals suited to your circumstances as your plans and finances change over time.
