Use my online search to search through thousands of deals - updated on a daily basis. Please do not hesitate to contact me to discuss any of these offers or if you wish to check that you meet the lender's criteria. I am always happy to help. I will give clear honest advice, which means I find the right mortgage and protection products to suit your needs.
I will ensure you understand the difference between the types of mortgages available (repayment, interest-only, fixed, tracker, cash back and variable) and will make a recommendation on the best deal for you. I'll help with the budgeting, making sure it all adds up for when you move in to your new home.
I will ensure you understand the difference between the types of mortgages available (repayment, interest-only, fixed, tracker, cash back and variable) and will make a recommendation on the best deal for you. I'll help with the budgeting, making sure it all adds up for when you move in to your new home.
Services
About
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I have been in the mortgage industry for over 30 years. During this time I have been a manager for a national lender with the authority to approve mortgages. I now provide fully whole of market mortgage advice and for the past few years have had an office based in Mundys Estate Agents, Lincoln. I have a wealth of knowledge on all aspects of house purchase and I will be happy to assist you no matter which estate agent you are buying through.
Mortgage Types
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Buying a house is probably the most important purchase you will ever make. It can be a very stressful experience but I will support and advise you through the whole process. I will guide you through all the different types of mortgages available and find you the very best deal for your circumstances.
Mortgage Related Fees
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It is very likely you will be charged an arrangement fee when taking out a mortgage - I will be able to talk you through the mathematics of the transaction to determine which deal is best value for the fee charged. Low rate v high fee or higher rate v lower fee. As a minimum you will be required to get a basic valuation carried out and you may decide to request additional surveys on the house you want to buy.
Protecting Your Mortgage & Home
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We understand how important it is to have the right information to help you every step of the way when you move home or remortgage. If you have dependents then you may also want to consider taking out life insurance. This will pay out a lump sum in the event of your death.
Depending on the type of mortgage you have you can choose policies that will pay out a set amount or if you have a repayment mortgage one that will decrease over a period of time linked to your mortgage term.Another type of protection is critical illness cover (CIC), which pays a lump sum if you are diagnosed with a serious illness such as heart attack, cancer, loss of limbs etc.
Depending on the type of mortgage you have you can choose policies that will pay out a set amount or if you have a repayment mortgage one that will decrease over a period of time linked to your mortgage term.Another type of protection is critical illness cover (CIC), which pays a lump sum if you are diagnosed with a serious illness such as heart attack, cancer, loss of limbs etc.
Testimonials
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All of my clients below have given their express permission for their comments to be published. Their original testimonials are available to view at any time if required. Ms EB - May I take this opportunity to thank you for helping us out in getting our first mortage and life insurance. You have made the whole process very easy and provided all the information in a way which was detailed and yet clear to us novices.
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