Complexity that the job does not require
Most people’s experience of arranging a mortgage involves more complexity, more jargon and more waiting than the work actually calls for. Very little of that is inherent to lending. It is the by-product of a process built around forms and hand-offs rather than around the person doing the borrowing.
A named adviser, before the search begins
At Morrow every client has a named adviser, and that adviser’s work starts before anything is searched. Income and deposit are the easy part — a form can collect those. What a conversation collects is everything else: what you are planning, when you need to be in, how long you expect to stay, what you would do if rates moved, and how you feel about a commitment of this size.
Then the whole market, with that context applied
Only then does the search happen, across the whole of the market, with all of that context carried into it. The order matters more than it sounds. A search run without the context returns the cheapest product. A search run with it returns the one that fits.
The cheapest rate and the right mortgage are not always the same
A headline rate takes no view on whether you can overpay, how long you are tied in, what it costs to leave early, or whether the term suits what you are planning to do next. Those things carry real value too, and they only come into focus when someone asks about your life before they ask about your salary. Finding that, as Geevan puts it, takes a conversation rather than a form.
