Mortgage Tribe

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minute read

You (the buyer) – Excited but naturally a bit nervous. Full of questions.
The seller – Ready to move on but may not know the ins and outs.
Estate agent – The self-appointed group admin, firing off reminders and chasing replies.
Solicitors (both sides) – Typing… or worse, ghosting.
Mortgage broker (hey, that’s us!) – Supporting you every step, but also juggling lenders’ timeframes.
Surveyor – Drops in late, then everyone panics about a patch of damp in the loft.

Sounds chaotic? It can be. Especially when you’re trying to move quickly in a fast-paced property market like Berkshire, Surrey or Hampshire — where properties don’t hang around and neither should you.

Why Property Transactions Often Go Silent

The reality is, your house purchase doesn’t fall apart because of one huge issue. It’s more like a slow fade — a thousand tiny delays that all stack up:

Waiting on documents from the buyer or seller.
Solicitors requesting info… and waiting.
Mortgage lenders asking for further evidence of income or deposits.
A surveyor flagging something unexpected that sends everyone into a spin.

Each delay adds days, sometimes weeks. And the longer it drags, the more likely someone gets cold feet — and the whole thing falls apart.

How to Keep the Sale (and the Chat) Alive

If you're looking to buy or sell in Hampshire, Berkshire or Surrey — timing and communication are everything. Here are some top tips to stay ahead:

1. Get Your Mortgage in Principle Early

Before you fall in love with a home, know what you can afford. A Mortgage in Principle (MIP) gives you credibility with sellers and speeds up the process. (Need help with this? That’s literally what we do.)

2. Choose Communicative Professionals

Pick a team that actually replies. Your estate agent, solicitor, and mortgage broker should all be responsive, proactive, and happy to chase things up on your behalf.

3. Be Document-Ready

From proof of ID to deposit evidence, get your paperwork sorted early. We help our clients stay one step ahead so there are fewer surprises later on.

4. Consider an Upfront Survey (if You’re Selling)

If you're selling, getting a survey before you list can help you fix issues early and avoid buyer delays. It’s not a must, but in a competitive market, it can help your sale stand out.

5. Keep Talking

Silence creates stress. Whether it’s a delay from your lender or a question for your solicitor, keep everyone in the loop. A quick update goes a long way.

Your Mortgage Broker: Not Just Another Face in the Chat

At Mortgage Tribe, we’re all about communication. We act as your translator, your guide, and your calm in the chaos — making sure the mortgage part of your home-buying journey runs smoothly, no matter where you’re buying in Surrey, Berkshire or Hampshire.

We're not here to spam the chat. We're here to move it forward.

With access to the whole of the mortgage market, we can help you find a product that’s right for your goals — whether that’s speed, flexibility, or long-term affordability (subject to lender criteria and your personal circumstances, of course).

There may be a fee for mortgage advice. The precise amount will depend on your circumstances but will range from £395 to £500 and will be discussed and agreed with you at the earliest opportunity.

Final Thought: Don’t Let the Chat Die

When buying or selling a home, things only move as fast as the slowest reply. So don’t be the one who replies days later with, “Wait, where are we with this again?”

Get your team in place early. Get your mortgage broker on board. And keep the conversation going.

Ready to move forward?
Let’s chat. We’re your local mortgage brokers in Surrey, Berkshire and Hampshire — and we’re here to help you keep things moving.