The internet is undoubtedly the most valuable resource available in the 21st century; Google can tell you just about everything you need to know. But navigating through all that information can leave you lost, unsure and on your way to a bad decision. When it comes to arranging your mortgage, a bad decision can damage your credit score or leave you paying more than you need to for a product not as good as it could have been. A mortgage advisor will submit the application on your behalf and then liaise with the bank regarding necessary information and documentation. This saves you time, money and the stress of waiting on hold for hours on end!
HSBC’s residential mortgage lending criteria are set out in a 41-page document that’s constantly evolving and expanding. Now imagine trying to look through 50 of these documents, deciphering complex policy jargon to see if you fit each lender’s unique requirements … Headache already? As a mortgage advisor, detailed knowledge of lenders’ criteria is a fundamental element of our job. It enables us to guide you through what would feel like a minefield on your own.
Admittedly, price comparison sites always tell you the cheapest option they can offer you. The problem is, for even the most seasoned home owners, how do you know it’s actually the cheapest option out there, how do you know you’re eligible for it and how do you know it’s the best product available for your specific circumatances? Price comparison sites offer what’s called an ‘execution-only’ based service which means they’re not liable for anything that goes wrong when you choose a product off their page.
We offer a free service from appointment to completion and we can save you time and money – it’s worth a chat.
Want to learn more about mortgages or life insurance? CLICK HERE to book a free appointment.