Mortgage Origination
Belgard offers a fully outsourced mortgage lending solution whereby we represent lending institutions advancing monies on the security of a property and handle all aspects of the transaction from the issue of the Loan Offer right through to perfection of security and receipt of the Certificate of Title and original title deeds.
Belgard applies the skills and knowledge that we have acquired over the past 14 years rectifying title and security issues in areas such as insolvency, property repossession and conveyancing, to ensure our client’s lending is thoroughly secure and correctly charged against the loan property.
Using our bespoke Practice Evolve Mortgage Lending system, Belgard record all information pertaining to the borrowers, the property and the loan and track the progress of cases via daily and weekly reports. Our bespoke system provides us with a range of granular reporting capabilities that provide our clients with real-time portfolio performance and account progression statistics.
The services Belgard provides include the following:
- Issue Loan Pack and provide clear instructions to the borrower’s solicitor for return of same;
- Deal with all queries arising from the loan pack/special conditions;
- Provide advices on qualifications on title received from borrowers’ solicitors;
- Review loan pack to ensure all is in order and special conditions have been complied with;
- Follow up with solicitor for Certificate of Title & original title deeds;
- Carry out security review to ensure perfection of security is in order and full title deeds have been received; and
- Arrange for storage of title deeds in a fire-proof storage facility.
Belgard also routinely provides advices to our clients on many related matters such as:
- Family Home & Family Law Acts;
- Powers of Attorney Act 1966;
- Enduring Powers of Attorney Regulations 1996, as amended;
- Assisted Decision-Making (Capacity) Act 2015;
- Section 90 of the Housing Act 1966;
- Deceased Estates; and
- Title rectification.
Belgard is vigilant of cyber fraud and places a strong emphasis on regulation and regularly provides Continuing Professional Development seminars to our team on data protection, confidentiality, cyber-security, and financial fraud. To circumvent any attempt at cyber fraud, Belgard’s Finance Department verbally confirms all solicitor’s bank account details received via email and a record of same is kept for auditing purposes.
If you would like to arrange a consultation with one of our Mortgage Lending team, please submit an enquiry via the form on the right and we will get back to you as soon as possible. We look forward to hearing from you.