Having been an Appointed Representative with Legal and General for the past 20 years, this step allows us to become much more streamlined with our processes and compliance regimes which will benefit our client base enormously. With our new point of sale systems we are able to reduce the time taken from initial advice to mortgage offer. Documentation is now much easier to understand for the average mortgage customer with far less paperwork.
Whilst we were always "Whole of Market" from a mortgage point of view, we are now able to offer advice on protection products from a panel of the largest insurance providers including Legal and General, Aviva, LV, AIG and Vitality. This will allow us to give our clients much greater choice with regards to pricing than we have ever done before ensuring that we stay competitive in an ever increasing digital world.
We are also able to offer advice in the expanding Equity Release market including Home Reversion Plans, a market which we have seen double in size over the last two years due mainly to the difficulty of the older generation to obtain mainstream mortgages into and past the normal state retirement age.
Whilst we were always "Whole of Market" from a mortgage point of view, we are now able to offer advice on protection products from a panel of the largest insurance providers including Legal and General, Aviva, LV, AIG and Vitality. This will allow us to give our clients much greater choice with regards to pricing than we have ever done before ensuring that we stay competitive in an ever increasing digital world.
We are also able to offer advice in the expanding Equity Release market including Home Reversion Plans, a market which we have seen double in size over the last two years due mainly to the difficulty of the older generation to obtain mainstream mortgages into and past the normal state retirement age.
Services
Having joined the Financial Services Industry in 1981 with Imperial Life of Canada I have remained in that industry ever since.
I found I had a great interest in property and the acquisition of it.
I majored in the Mortgage market obtaining a wealth of experience in the underwriting of various lenders and their schemes.
Whilst remaining in the industry I soon set up my own Estate Agency adding a Lettings department soon after.
Eventually I formed our own Mortgage Brokerage and have since added a Conveyancing Company.
I found I had a great interest in property and the acquisition of it.
I majored in the Mortgage market obtaining a wealth of experience in the underwriting of various lenders and their schemes.
Whilst remaining in the industry I soon set up my own Estate Agency adding a Lettings department soon after.
Eventually I formed our own Mortgage Brokerage and have since added a Conveyancing Company.
We'll consider your individual circumstances and all available options before recommending the most suitable mortgage for you.
Our initial consultation is free.
Our typical fee for arranging a mortgage is 295.
However, depending on your circumstances, we may charge a fee of up to 1.5% of the mortgage amount.
Our initial consultation is free.
Our typical fee for arranging a mortgage is 295.
However, depending on your circumstances, we may charge a fee of up to 1.5% of the mortgage amount.
Our Mortgage Advisers help hundreds of people move home and remortgage every year so we understand how important it is for you to have the right information to help you every step of the way.
Information about products from the whole market place, advice on all those products and, more importantly, a recommendation as to which product to take and why.
Information about products from the whole market place, advice on all those products and, more importantly, a recommendation as to which product to take and why.
As well as paying a solicitor or licensed conveyancer for the work he or she does, you'll have to pay the cost of land registry charges and local search fees.
If your lender has their own solicitor acting for them, you may have to pay their fees as well.
Some advisers may charge a fee for the advice they give you.
Your adviser will give you a combined Initial Disclosure Document (IDD) which will explain any fees they may charge.
In some instances an adviser fee may be charged even if your mortgage doesn't go ahead.
If your lender has their own solicitor acting for them, you may have to pay their fees as well.
Some advisers may charge a fee for the advice they give you.
Your adviser will give you a combined Initial Disclosure Document (IDD) which will explain any fees they may charge.
In some instances an adviser fee may be charged even if your mortgage doesn't go ahead.
Whether you're able or prepared to make changes to your lifestyle that may reduce your other outgoings.
You will need to find out how much you can borrow before making an offer on a property.
Some lenders will work out how much they'll lend you before you find a property - this is called an approval in principle.
This will help you know the maximum offer you can make on a property and will also speed up the mortgage process.
Lenders usually base their calculations on your guaranteed earnings such as basic pay, but most will also consider some or all of any regular overtime or bonuses.
You will need to find out how much you can borrow before making an offer on a property.
Some lenders will work out how much they'll lend you before you find a property - this is called an approval in principle.
This will help you know the maximum offer you can make on a property and will also speed up the mortgage process.
Lenders usually base their calculations on your guaranteed earnings such as basic pay, but most will also consider some or all of any regular overtime or bonuses.
Reviews
Be the first to review The Independent Mortgage Centre.
Write a Review
