Mewstone Mortgage Offer Promise

⭐ Mewstone Mortgage Offer Promise

At Mewstone Mortgage Advice, we pride ourselves on doing things properly.
We work hard, we prepare thoroughly, and we fight for the right outcome for every single client.

Because of that commitment, we’re introducing our Mortgage Offer Promise — a straightforward, good-faith assurance that reflects the confidence we have in our process and our expertise.

🌊 What the Mortgage Offer Promise Means

If we accept your case and proceed with your application, we are confident in our ability to secure you a mortgage offer.
If we’re unable to do that for reasons within our control, we will refund your advisory fee — simple as that.

This isn’t a sales tactic.
It’s our way of standing behind the quality of our work and giving you confidence in the service you’re paying for.

📄 What We Need From You

To honour the promise, we must have all the documents we request before submitting your application.
We ask for these because:

• We anticipate what each lender will want to see
• We know what can impact a lending decision
• Providing complete information gives us the best chance of securing your offer.

Occasionally, additional documentation may be required — if we ask for it, it’s because we believe the lender will too.

🔍 When the Promise Doesn’t Apply

We want to be completely transparent.
There are some situations that fall outside of anyone’s control or that make the promise invalid, including:

1️⃣ If a purchase collapses

If you, your seller, your buyer, or anyone in the chain withdraws — this is out of our hands.
However, we will roll your fee forward if we apply again for you within 12 months.

2️⃣ If information is withheld

If a lender declines because of something that wasn’t disclosed to us before we apply —
e.g.

• undeclared credit issues
• outstanding student loans
• criminal history
• undisclosed debts or commitments
  — the promise does not apply.

Honesty and transparency ensure we give you the right advice and place you with the right lender.

3️⃣ If we recommend a comparable alternative but you decline

If a lender declines and we can offer a similar product elsewhere
(within 0.5% interest rate, no more than 5% higher monthly payment, and within £500 lender fees),
and you choose not to proceed, the promise is not honoured — because a suitable solution was available.

🔁 Our Commitment: Up to Three Attempts

If your first application doesn’t succeed, we won’t walk away.
We’ll re-assess, re-package, and re-apply with a suitable lender — up to three attempts — before concluding that a mortgage offer isn’t achievable.

We want your case to succeed just as much as you do — this promise reflects that.

💙 In Short

The Mewstone Mortgage Offer Promise is simple:
If we take on your case, prepare it properly, and follow our process — we’re confident we can secure you a mortgage offer.
And if, despite our best efforts, we can’t (and the reason lies within our control), we’ll refund your advisory fee. This applies to residential mortgages, buy to let mortgages and equity release mortgages.

Because at Mewstone, we believe in:
Honesty. Transparency. Accountability.
And always putting our clients first.