The decision to buy property is a big one. You are bound to have questions and one of the questions you will probably ask at some point is are you better to talk to a mortgage advisor or go direct to a lender? Let’s look at some of the benefits so you can decide what is right for you. We will start with the second-best reason and then look at a few more. Why start with the second reason? Well, I want to save reason one to the end, it’s a very important, often underappreciated one, so I want to look at it last.
It’s complex out there when it comes to mortgages.
As you have no doubt noticed recently, the mortgage market can be a very ‘interesting’ place to work. To be honest, it can be a roller coaster sometimes which is why I put interesting in commas back there. In honesty the mortgage world can be difficult and complex at times. In essence it should be a very simple process. You apply, you get a decision, you move in. Sadly, it isn’t that simple though. This is a big decision, and you will find a lot of legal jargon, confusing advice, contradictory information, financial terms, and intricate processes involved. You need to understand what is happening in plain English.
Reason two – A mortgage advisor can cut through all the jargon for you and explain things in real-world terms so you can make an informed decision.
You will get personalised advice.
When you come to see us, we are looking at more than just the available mortgage deals. For most people, a mortgage is the most important financial decision they ever make. That is why we get to know you. It’s not about selling something; it is about finding a solution for you. No two customers are the same and that means good advice needs to be individual to your circumstances. We get to know you and then get the right mortgage for you, not the best one for us, not the best deal for the lender, but the best option for you and your personal circumstances.
Reason three – We are ‘your’ mortgage advisors not the banks, the lenders, or our own. The advice and guidance you get will be personalised for you.
We deal with complex situations, so we know what to do.
Trust me, it is rare that someone sits down with and doesn’t have some sort of complexity to their situation. Whatever it is, we have probably already seen it and dealt with it. One of the best things about this job is chatting with someone and seeing the weight lift when we can cut through the problems and find them a deal.
Reason four – We have the experience to deal with difficult circumstances and the resources to find a solution.
We have access to the widest range of mortgages and know the market
When you go direct you are often limiting your choice of products. There are a lot more options for mortgages out there than you may realise, and we can usually give you access to more of them than a direct lender can. Our know-how and market knowledge could well open up possibilities that you would otherwise not be able to access.
Reason five – You will have access to the full choice of mortgage options and the latest deals.
There are other reasons for using mortgage advisors. They include the additional help, the on-going support, and of course the guidance you will receive when it comes to the application itself.
What many decide is the first, best reason.
So, what was the first reason we held to the end? Well, it isn’t something that many people realise when they first contact us, but it is one that people often end up valuing the most.
Right at the start I mentioned the number of decisions you will need to make. The logistics of the move will need to be sorted, you will need to accurately assess your finances and your affordability, there will be the finding the property, making an offer your mortgage in principle, arranging transport, possibly selling your old home and, well, the list will feel endless. Which brings us to one very good reason to choose us for your mortgage. We take the stress out of the application. You can trust us to do everything possible to make the mortgage element of your move as simple, easy and above all stress free as possible.
Reason one – Peace of mind. We take a big part of the stress away during what most people find to be one of the most stressful periods of their life. Imagine how much easier your property move will be knowing that the mortgage was sorted for you and that someone was in your corner working to make sure everything goes smoothly. When we ask our customers how they found the experience of working with a mortgage advisor most will say that the peace of mind it offered was gold dust.
When you are ready to talk mortgages, call us. Let’s see how we can help take the pressure off and sort the finances you need to get into your new home.