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A home is a large investment — with lots of moving parts!

Protections and Benefits You Can’t Find Anywhere Else

Buying a new home or re-mortgaging are big, important events in life. For 30 years we have been offering mortgages that meet members’ specific needs and constantly innovating to meet the changing markets. As well as a wide range of different products, our vast experience means we can guide you by phone or in branch, every step of the way, helping you choose the right product for your circumstances. The Shari Finance Mortgages loan is the perfect option for any eligible borrower looking to bring very little money to the table. Our loans are available through Mortgage for properties located anywhere in the world.

Whether you’re a first-time homebuyer, looking to buy your next home or refinance your current one — we’re here to help. The Shari Finance Mortgage program, with financing available through Home Mortgage, can help you purchase or refinance a home while also receiving exclusive Shari Finance member benefits. The mortgage program is available to Shari Finance members, their parents and children.

Mortgage Prequalification Checklist

Mortgage prequalification is an assessment of whether your debt-to-income ratio fits mortgage guidelines and provides an estimate of the amount you may be able to borrow. You can also request a prequalification letter, which you can give to your real estate agent to show you are a serious home buyer. Prequalification is optional, but it's a helpful step in the process of buying a house.

The standard mortgage valuation

Before we can lend to you, we will obtain a valuation for all house purchase and remortgage applications to check that the property provides adequate security for the loan we are providing to you. We also use this to calculate the proportion of your loan compared to the value of your property (this is known as the Loan to Value or LTV).

This is not a survey and so may not identify any repairs that might be needed. Because of this, we strongly recommend that you obtain either a Homebuyer Survey or a Building Survey to give you a more detailed inspection of the property.

The Valuation Report

You will normally only receive a copy of the valuation report if a full internal inspection of the property has been carried out. It's important to note that you may not receive a copy if you apply for a fee-assisted mortgage product and you will not receive a copy if we carry out a drive-by valuation, carry out a database valuation or a Property Assessment.

If you do receive a copy of the report, please remember it is not a survey, it does not give any indication as to whether the property is worth what you are paying for it nor does it provide a list of any repairs that may be needed.