financial adviser
Joanne Kay
Many people are unable to find a mortgage or simply don't now how to get a mortgage, and that's ok. Whether you're buying your first home, remortgaging your current home or moving to your next, I'm here to help.
As your mortgage expert, I'll be with you from application to completion, saving you time, hassle, and money. Plus, I can also help you with life insurance, critical illness cover, and income protection.
Focus on the excitement of moving into your home and let me handle the mortgage search, application, and everything in between.
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Contact
0771 581 9699
Services
Mortgage Advice | Protection Advice
Available
Weekdays - 08:30 - 18:00
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How to get financial advice
Advice whenever you need it
Get expert financial advice, from 8am - 8pm Monday to Friday & 9am - 6:30pm on Saturday & Sunday.
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mortgage advice
Still have questions?
A mortgage adviser can help you make sure you're getting the best possible deal on your mortgage. They can help you:
Find the right deal: They'll compare different mortgage rates and fees to find the one that suits your budget.
Understand the jargon: Mortgages can be confusing with all the terms and conditions. A mortgage adviser will explain everything in plain English.
Avoid mistakes: They can help you understand the potential risks and benefits of different mortgage types.
Your first meeting is is fee free and without obligation. We'll just have a friendly chat to understand your goals and see how we can help.
In most cases, using a mortgage adviser doesn't cost you anything extra. They get paid a commission by the lender when you take out a mortgage.
However, for more complex situations, some mortgage advisers may charge a fee. This will be explained clearly before we start working together
While a mortgage adviser can hep you find a mortgage, they can often provide advice on other financial matters, such as:
- Life insurance
- Critical illness cover
- Home insurance
- Income Protection
- Remortgaging: If you want to switch your mortgage to a better deal.
- Buying a property: They can help you understand the buying process
- Buy to let mortgages: Find the right buy to let mortgage rates
To help your adviser find the right mortgage for you, you'll need to provide some basic information about your financial situation, such as:
- Your income
- Your outgoings
- Your credit history
- Your desired property value
- Your deposit size
The length of your residency in the UK is a crucial factor for mortgage lenders. Most lenders prefer applicants who have been living in the UK for at least three years. This allows them to evaluate your financial history within the country, including your credit score, income stability, and employment status.
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY