From AI chat to expert adviser
Molly provides instant mortgage information. When you need personalised advice, Molly seamlessly refers you to our qualified advisers.
Our team of expert advisers
Molly's Referral Process
From initial question to expert mortgage advice, here's how Molly's referral works.
Chat with Molly
Start by asking Molly your mortgage questions. She provides instant, generic information about mortgages, affordability, and options.
Referral Created
When you want personalised advice, Molly creates a referral with your details and conversation history.
Adviser ReviewRegulated
A qualified Mortgage321 adviser reviews your referral, understanding your situation and goals.
Fact FindRegulated
Your adviser contacts you to complete a detailed fact find, assessing your full financial circumstances.
Recommendation & ApplicationRegulated
Your adviser provides a personalised mortgage recommendation and submits your application to the lender.
Mortgage OfferRegulated
Once approved, you receive your formal mortgage offer. Your adviser guides you through to completion.
Molly vs a qualified adviser
Molly provides generic information. Regulated advice comes from qualified Mortgage321 advisers.
Molly AI Assistant
Generic Information Only
Important: Molly provides generic mortgage education only. She does not assess your personal circumstances or provide regulated financial advice.
Mortgage321 Adviser
FCA-Regulated Professional
Regulated Advice: Only qualified Mortgage321 advisers can provide personalised recommendations and submit mortgage applications on your behalf.
From referral to mortgage offer
Here's exactly what happens after Molly refers you to a Mortgage321 adviser.
Initial Consultation (Free)
Your adviser discusses your needs, explains the process, and answers your questions. No obligation to proceed.
Fact Find Completion
Your adviser completes a detailed fact find covering income, expenses, credit history, and mortgage requirements. This forms the basis of your advice.
Research & Recommendation
Your adviser researches the whole market and presents a personalised mortgage recommendation with a Key Facts Illustration document.
Application Submission
Once you approve the recommendation, your adviser submits the full application to the lender and handles all paperwork.
Underwriting & Valuation
The lender's underwriter assesses your application. A property valuation is arranged if required. Your adviser manages any queries.
Mortgage Offer
Once approved, you receive your formal mortgage offer. Your adviser explains the terms and coordinates with your solicitor to completion.
Regulated Service: Steps 2–6 constitute regulated mortgage advice and are only provided by qualified Mortgage321 advisers, not by Molly.
Everything you need to know
All about Molly's referral process.
FCA Regulated
AR No. 498937
Est. 2009
Established
Whole-of-Market
Access
Free Consultation
No Obligation
Ready to get started?
Chat with Molly for instant information, or speak directly with an adviser for personalised advice.
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