Once upon a time if you wanted to get a mortgage you had to make an appointment with the local bank or building society manager. You went along with all your payslips and had a lengthy conversation about how much you could afford and what your responsibilities were in paying it back. If the Manager was convinced, and they would have had a good knowledge of the conduct of your account, then there was a solid chance that you would get one.
Jump forward to today and it is all change. There was a brief period in the late 90’s and early noughties where all you needed to do with some companies was show up and say you were good for the money and that was it. The financial crash of 2008 put a stop to that.
Technology has made things easier to some degree, though not as easy as back then. Now mortgages can be conducted over the phone or they can be done via the internet. You still need to have a conversation with a mortgage advisor at some point but this is necessary to make sure you have the right product. There is even the chance to use an Online conveyancing service.