Be ‘Mortgage Ready’
We can help you secure a property
If you are ‘in the market’ to buy a property, you’ll need to be ‘mortgage ready’. This means, having your finances in order beforehand in order to be taken seriously.
Apps such as Zoopla and Rightmove send out daily alerts to hundreds of thousands of people. An estate agent can have a property marketed to hundreds of property hunters within minutes.
It’s a really competitive market at the moment with fewer homes being listed for sale. There’s usually more than one interested party per property. Especially in the more popular, family areas close to good schools etc.
Mortgage advice in Birmingham
All of our customers receive a free, no-obligation mortgage advice consultation. Here we’ll listen to what you are looking to do, take some personal details including employment and credit history.
Following this consultation, we’ll be in a good position to recommend the best mortgage deal for you, based on your individual circumstances.
A mortgage agreement in principle document can be produced, this will put you in a good position with your estate agent. When you are ready to offer on a property, you can present this. Your certificate will show you have received mortgage advice and you are ‘mortgage ready’ i.e. in a good financial position.
Mortgage ready in 4 easy steps:
1 – A free mortgage consultation, either face to face or over the phone, 7 days a week until late.
2 – Searching for a property (the fun part).
3 – We’ll help you negotiate your purchase price and answer any questions.
4 – We’ll process your mortgage application through to you receiving your offer. With help and support throughout the whole process.
Something more complex?
If your situation is more complex, i.e. you have bad credit, have a mix of income or wanting to do something more unusual, we can help.
We have years of experience in all mortgage situations. It’s our job to know our lenders lending criteria inside out. For a lot of customers, getting a mortgage isn’t about getting the best rate, it’s actually qualifying for the deal.
Been declined a mortgage or can’t borrow enough?
Don’t worry – you’ve probably just been to the wrong lender for your individual situation. Please don’t keep on trying lots of different ones, you’ll most probably damage your credit score. Please give us a call!
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