Discover the true benefits of professional mortgage advice, and why it may provide you with much more than just a favourable mortgage rate.
When it comes to getting a mortgage, many people go straight to their existing bank or building society. Although this is beneficial, it may mean you are limiting your possibilities.
By taking the time to explore all of the available mortgages, you’ll ensure you select the best one for your circumstances.
To begin, speak with myself at a time which is convenient to you. With access to hundreds of mortgage packages from a variety of lenders, we can provide you with valuable mortgage advice that is tailored to your specific circumstances.
What exactly is a mortgage adviser?
In summary, an adviser provides guidance on various sorts of mortgage products. I can assist you with everything from putting your finances in order until the day you pick up your keys – and even after that. An adviser will:
- Describe the initial stages
- Tell you what research you must conduct
- Assist you in budgeting for a deposit
- Identify suitable deals and process mortgage applications
The best thing is that you can obtain all of this professional guidance before you even start looking for a home. I will not only give useful guidance to examine your incomings and outgoings, but we will also utilise specialist budget planning tools to determine how much you can afford to borrow. This will be useful when it comes to the most exciting aspect – looking for a house!
Find you a deal
After you’ve saved your deposit and located a home you want, I will examine hundreds of options from a variety of lenders on your behalf.
Based on the sort of home you intend to buy, we’ll know which lenders are likely to lend to you. This is due to the fact that not all mortgage providers lend to all buyers or on all types of houses.
Having an expert assist you in finding the right prices means you’re less likely to be denied a mortgage.
Handle the application
We’ll handle the entire application after we’ve got you a mortgage, reducing your time dealing with documentation. Myself and Reach 4 Mortgage solutions will also deal with conveyancers, solicitors, and any other paperwork. Most importantly, we will keep you updated every step of the journey and will be available to answer any questions you may have.
We can assist you with mortgage protection
It’s necessary to take out buildings and contents insurance when purchasing a house. You ought to think about getting life insurance and also critical illness insurance to ensure that you have a roof over your head, no matter what. Sorting these things out on your own, while still handling a mortgage application, might feel like an extra weight on your shoulders.
Thankfully, I am also authorised to provide information on mortgage protection insurance. This is another service I can assist you with, to get the right policy for you and your family, allowing you to focus on planning for the purchase of a new property.
Adaptable working schedules
A good mortgage adviser will fit around your diary and can offer flexible appointment times around your working hours.
I am not limited to a branch and office operating hours because I can do everything over the phone, video call and via email. So, even if you might be working long hours and staying busy for the majority of the day, you’ll always be able to move the process along and take another step towards home ownership.
Learn more about how I can assist you
Purchasing your first house is probably going to be stressful, but having a mortgage broker in your corner to find the best mortgage for you and handle any fears or issues you may have can help take some of the hassle out of moving home.