A message we hear time and time again is that people find the choice of mortgages confusing. That homeowners and prospective first-time buyers feel lost and stressed on their mortgage journey and they have more questions than answers. This is not uncommon; in fact, it is not often that we find a customer that is sure of their options before they speak to us.
One of the first things we will do is complete a full fact find on your situation and look at your ability to proceed with a mortgage and what type of property or amount you are considering borrowing. We look at your Experian or Equifax credit file with you, calculate how much you can afford and if you need it, start to speak to some lenders on your behalf. Often online mortgage calculators can be misleading so it’s important to help you know the amount you could achieve and the prospective interest rate you can expect to achieve.
Whether you are looking for advice on remortgaging, moving home or buying your first property, you want to know that the people you are speaking with are invested in the journey with you. That you will speak to the same person again when you call in to the office and that there is a genuine desire to help you.
Owning your own home is going to be one of the biggest financial decisions that you ever make, everyone says that, but it’s true. So getting the right advice, from the right local mortgage experts, is key to getting the right deal.
Having the Team based in and around Southampton, Portsmouth and the wider Hampshire and Dorset region, we can be available for you should you need to meet us face to face or speak to us on the telephone. We are happy with either.