Buying a home can be a stressful and confusing time. I can guide you through this process right through to completion. This step-by-step guide is designed to support and inform you throughout your mortgage application. No wants to think about what will happen when a loved one dies. Your life changes forever and the financial strain your family will experience will be the last thing they would want to worry about.
If you have dependants or if you are in any form of debt, it is essential that you are prepared and you ensure your family is properly protected. It can be tempting to try and save money by cutting back on your buildings and/or contents insurance policies, but experts agree that this is a false economy. The right cover will provide you with the peace of mind and financial protection that any damage to your home; accidental or otherwise can be covered avoiding unexpected expense.
I'll search the market, recommend products, put in an application and chase it until you complete, while you get on with your lives.
If you have dependants or if you are in any form of debt, it is essential that you are prepared and you ensure your family is properly protected. It can be tempting to try and save money by cutting back on your buildings and/or contents insurance policies, but experts agree that this is a false economy. The right cover will provide you with the peace of mind and financial protection that any damage to your home; accidental or otherwise can be covered avoiding unexpected expense.
I'll search the market, recommend products, put in an application and chase it until you complete, while you get on with your lives.
Services
When I was first looking for a home, I knew that I needed a mortgage, but had no idea where to start.
I went up and down my local High Street, into nearly every bank or building society, with each coming out with the same scenario.
A handful of leaflets and the promise of an appointment in the following week when a consultant would be free to see me.
Once I'd spoken to a few, each with their different products and plans, I was just as confused as when I started.
With over 25 years experience in helping people buy their homes or remortgaging, I am fully qualified with a Certificate in Mortgage Advice and Practice at levels 1,2&3 recognised by the Financial Services Authority.
I went up and down my local High Street, into nearly every bank or building society, with each coming out with the same scenario.
A handful of leaflets and the promise of an appointment in the following week when a consultant would be free to see me.
Once I'd spoken to a few, each with their different products and plans, I was just as confused as when I started.
With over 25 years experience in helping people buy their homes or remortgaging, I am fully qualified with a Certificate in Mortgage Advice and Practice at levels 1,2&3 recognised by the Financial Services Authority.
When I first meet my clients, I like to give a description of what I do, how I do it and how much I charge.
When I left school many years ago, I worked for Lloyds Bank.
It was a great way of learning how to deal with people, and the basics of the financial services industry.
At age 28, looking for another opportunity, I became (of all things) an Estate Agent.
I worked for a number of companies, large and small in Gloucestershire, Bristol and the West Country.
I really enjoyed learning about property and helping people buy and sell their homes.
When I left school many years ago, I worked for Lloyds Bank.
It was a great way of learning how to deal with people, and the basics of the financial services industry.
At age 28, looking for another opportunity, I became (of all things) an Estate Agent.
I worked for a number of companies, large and small in Gloucestershire, Bristol and the West Country.
I really enjoyed learning about property and helping people buy and sell their homes.
This step-by-step guide is designed to support and inform you throughout your mortgage application.
As a mortgage adviser, the best advice I can ever give a client is not to have a mortgage!
Unfortunately, we're not all in the enviable position where we can buy a property for cash, so in order to do so, most people do require some sort of mortgage.
So if you do require a mortgage it needs to cost you as little as possible.
With mortgages and finance available up and down the high street, and even in some supermarkets, the choice of the best way to borrow what can be a considerable sum of money gets more and more confusing.
As a mortgage adviser, the best advice I can ever give a client is not to have a mortgage!
Unfortunately, we're not all in the enviable position where we can buy a property for cash, so in order to do so, most people do require some sort of mortgage.
So if you do require a mortgage it needs to cost you as little as possible.
With mortgages and finance available up and down the high street, and even in some supermarkets, the choice of the best way to borrow what can be a considerable sum of money gets more and more confusing.
When I first started as a Mortgage Adviser ten years ago, I specialised in Sub-Prime Mortgages, or Adverse Credit Mortgages.
Sometimes throughout our life, we have unexpected financial events, whether it is temporary unexpected bills, marital problems, health problems, redundancy or business problems.
If we haven't taken the proper precautions, such as sensible budget-planning or protection then we might be facing an adverse financial effect which can be anything from a missed payment to a default, CCJ or even an IVA or Bankruptcy.
Sometimes throughout our life, we have unexpected financial events, whether it is temporary unexpected bills, marital problems, health problems, redundancy or business problems.
If we haven't taken the proper precautions, such as sensible budget-planning or protection then we might be facing an adverse financial effect which can be anything from a missed payment to a default, CCJ or even an IVA or Bankruptcy.
Just for fun here's a quick personality quiz.
Needless to say that the art of good mortgage advice is far more complicated than this, however a good bit of risk analysis does come into play.
In order to assess the best type of deal for you, the most important thing is to speak to a fully qualified Mortgage Adviser, however in the meantime.
You're traditional, secure and like to plan-ahead, knowing that you are financially protected.
A five-year fixed rate keeps the rate the same for five years, which is one of the longer types of fixed rate.
Needless to say that the art of good mortgage advice is far more complicated than this, however a good bit of risk analysis does come into play.
In order to assess the best type of deal for you, the most important thing is to speak to a fully qualified Mortgage Adviser, however in the meantime.
You're traditional, secure and like to plan-ahead, knowing that you are financially protected.
A five-year fixed rate keeps the rate the same for five years, which is one of the longer types of fixed rate.
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