What to Expect: Your Mortgage and Protection Journey with Haupt & Co
At Haupt & Co, we understand that arranging your mortgage and protection cover is one of the most important financial journeys you’ll take.
From your first conversation with us to the day you move into your new home and beyond, you’ll have an experienced team guiding you every step of the way.
Below is a clear outline of what you can expect when partnering with us.
1. Initial Enquiry
You’ll meet Edward Haupt, Managing Director & Senior Mortgage Advisor.
Your journey begins with an initial consultation, where Ed will take the time to understand your goals; whether you’re buying your first home, moving, investing, or remortgaging.
You’ll discuss your current financial position, the type of property you desire, and budget you have, along with your short and long-term goals
You’ll receive an overview of how we work, what documents we’ll need, and how we’ll ensure a smooth and transparent process.
This is where your journey begins – with clarity and a friendly chat.
2. Finding Your Perfect Mortgage
Once we’ve gathered the key details, Ed will conduct a full market search to find the best mortgage product for your needs.
You’ll receive:
- A Mortgage Recommendation Report explaining the options and why they’re suitable
- A clear breakdown of interest rates, fees, and terms
- Guidance on affordability, credit checks, and next steps
Our goal: to make sure you’re completely confident before any application is submitted.
3. Mortgage Application
Who’s involved:
- Ed Haupt – Mortgage Advisor
- Stef Haupt – Compliance & Operations Manager
Ed will clearly explain what we need to get your mortgage submitted – things like payslips, bank statements, proof of deposit, and ID. Don’t worry, we’ll guide you through every step.
As soon as all documents have been received, Ed will prepare and submit your mortgage application.
Stef will ensure all documentation and compliance checks are completed and accepted by your lender keeping you updated throughout.
We’ll liaise directly with the lender, your solicitor, and (if applicable) your estate agent to keep things moving efficiently.
4. Valuation, Offer & Approval
Once your lender instructs a valuation, we’ll handle all communication and ensure you receive updates promptly.
When your formal mortgage offer arrives, Ed will review it with you so you fully understand the details before proceeding.
5. Protection Planning
Who you’ll meet:
- Nick Ahearne – Senior Protection Advisor
Nick will discuss how best to protect you, your family, and your home.
Different types of protection cover include:
- Life Insurance
- Critical Illness Cover
- Income Protection
- Private Medical Insurance
Nick’s expertise ensures that, alongside your mortgage, you have a tailored protection plan that gives you peace of mind whatever the future holds.
6. Exchange, Completion & Ongoing Care
As your solicitor finalises contracts and completion is agreed, we’ll stay in close contact with all parties to help keep everything progressing smoothly. While the final stages are largely dependent on the solicitors involved, we remain proactive and keep you informed every step of the way.
When the big day arrives, you’ll have your keys in hand and your protection policies in place.
After completion, we remain your ongoing advisers. We’ll check in regularly to ensure:
- Your mortgage remains competitive
- Your protection continues to meet your needs
- You always have a trusted contact for future plans