Plane Trees, Kettlesing, Harrogate, HG3 2LB
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Many people would not know where to go, or how to go about seeking out the best mortgage package for their needs. Most people would probably start with their own bank. We are all aware of bank mis-selling scandals and in many cases they seem to offer attractive headline grabbing interest rates however, invariably these rates will only be available to those who have large deposits or equity, and whose income is very straightforward. They then heavily push their tied, expensive and restrictive insurance policies.
I have access to hundreds of mortgages from dozens of lenders and will consider your individual circumstances to advise you of the most suitable mortgage. I will ensure that your circumstances meet the lenders criteria before applying to anyone, that the mortgage payments are affordable and that you fit the lenders affordability calculations. I will advise you of the supporting documentation that the lender is likely to require, to ensure that you receive your mortgage offer in the shortest possible time. Sometimes underwriters may request additional documents, and of course I will help with this. I have business relationships with most of the lenders, which can help if yours is a particularly difficult or unusual case. Throughout the process and up until completion I will keep you informed of progress. Some months before you are due to come out of your product, I will contact you to arrange a review of your ongoing mortgage requirements.
In today's marketplace customers feel reassured to know that they have somebody on their side working towards securing your mortgage offer in the shortest possible time. At our first meeting I will complete a questionnaire, go away and carry out my research and later present to you my recommendations. Once you have decided whether to accept my recommendations I will complete the necessary paperwork and work closely with the lender to ensure the process is as smooth as possible. If I believe it is possible to secure you a mortgage I will do everything within my means to ensure you get your mortgage.
My customers only have to explain their circumstances once to me, and then I take care of everything avoiding the need to have to arrange numerous meetings with different banks and building societies and having to try and compare products themselves, and having to spend time researching options for themselves. There is no doubt, it has become more difficult to obtain borrowing, but it is possible, with the right help. I am also able to offer advice on protection, so that should something go wrong, you have the necessary products to protect you, your home and your family, including life insurance, family income protection benefit, income protection and critical illness cover. I have access to products from a range of leading insurers. I can also arrange buildings and contents insurance cover.
I mainly obtain new clients through recommendations and will adapt to meet the individual needs of each client, at all times acting in complete confidence, adhering to regulation and acting with integrity.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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COMPLETE MORTGAGES (HARROGATE) IS AN APPOINTED REPRESENTATIVE OF TENETLIME LTD WHICH IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. TENETLIME LTD IS ENTERED ON THE FINANCIAL SERVICES REGISTER (www.fca.gov.uk/register) UNDER REFERENCE 311266.
PRINCIPAL: Clare Jackson