Offers

Mortgage Offer Guarantee

You heard it right! We GUARANTEE to get you a mortgage offer, or you GET YOUR MONEY BACK. The only time we would not be able to honour this deal is if something happened that was beyond our control.

• To honour the guarantee, we MUST have every document we’ve asked you for BEFORE we apply. It’s our job to anticipate as best we can what a lender will ask for. Sometimes there will be more documents we’ll need that are additional to the original list, but if we’ve asked for it, it’s because we anticipate a lender will too, and it could affect the lending decision.
• If you pull out from a purchase, whether that is you, your buyer, seller, or anyone else in the chain, we will not honour the guarantee. This is out of anyone’s control and can’t take responsibility for this. However, as we appreciate this is out of your control, we will roll the fee you have paid on if we apply again within 6 months of the original application.
• If a lender declines your application due to something you have NOT disclosed to us BEFORE we apply, we will not honour the guarantee. This includes student loans, credit issues, criminal record/history etc.
• As much as we want protect ourselves from people taking advantage of this offer, we WANT TO GET YOU THE OFFER. So if we do not succeed for any reason, we will try again. This would be our usual practice anyway, so we reserve the right for up to 3 applications before we give up the attempt to get you a mortgage offer. For example, if we do fail at the first attempt, but you DO NOT want us to proceed with a different lender at a *similar rate and cost, we would not honour the guarantee. (*similar would be with in 0.5% on the rate, no more than 5% increase on the monthly payment and with in £500 in lender fees)

Refer a friend

You save, and they save

When you complete on a mortgage with us, we’ll send you a batch of ‘refer a friend’ vouchers. If you give these to a friend or someone you know, and they come to us with that card and apply for a mortgage, they will get £50 knocked off their fee. Not only that, if they use the card you give them, we’ll know its you and ‘credit’ your account with us with £50 which will come off your next mortgage fee.

But wait, here is the good part...

There is no limit to how many friends you refer.

For example, if you apply for a mortgage, and then refer 3 of your friends who apply for mortgages with us for the first time, we’d ‘credit’ your account and take £150 off your mortgage fee when you next apply with us.

If you earn MORE referral credits than your fee costs, e.g., if you refer 10 clients you’d earn £500. If your mortgage fee was £399, we’d keep £101 on your account for the next application.

You can only refer people that are not already existing clients of Jack Gear Financial. An existing client is someone we already have on our database BEFORE you are issued your ‘refer a friend’ cards. The date will be issued on all of the cards.

Returning Jack Gear Financial clients will not be counted as a referred friend and will not count towards the ‘refer a friend’ offer.

The £50 will be ‘credited’ to your account when the referred friend pays their mortgage application fee.