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Sharif 10mins 30th July 10


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Sharif 10mins 30th July 10

  1. 1. Sharif Yousef Mortgage Advisor Revolution Financial Services Ltd.
  2. 2. Introduction <ul><li>History </li></ul><ul><li>Clients – Case studies </li></ul><ul><li>Referrals </li></ul><ul><li>Close </li></ul>
  3. 3. History <ul><li>Revolution Financial Services is in its second year of trading. </li></ul><ul><li>Part of the Sense Financial Advice network. </li></ul><ul><li>Regulated by the FSA - 494121 </li></ul><ul><li>Wound up freememortgages in July 2009 to become part of a larger team of professionals offering a wider choice of knowledge, support and a greater number of referrals. </li></ul><ul><li>Sense acts a conduit between ourselves and the FSA </li></ul><ul><li>Sense monitors our Case work and education to make sure that we are offering the best advice and are trained to the highest standards in the ever changing world of Financial services. </li></ul><ul><li>Mortgage advisors operate in one of the most highly regulated service industries in the UK </li></ul>
  4. 4. History <ul><li>Since the financial meltdown of 2008 – We have seen massive changes to the mortgage market relating to the amount of products and how the lenders underwrite mortgage cases. </li></ul><ul><li>We can track the Recession starting in the UK to the 1 st / 2 nd quarter of 2008 (Office of National Statistics – 2 nd Quarter 2008) Lehman Bros Collapse Sept 2008 with over $600 Billion worth of assets. </li></ul><ul><li>Although in the UK Mortgage Market Lenders were already pulling products towards the end of 2007! We knew a massive problem of funding was taking place. </li></ul>
  5. 5. History <ul><li>The problem was started by Banks and is still perpetuated by Banks. They lent too much money ‘Leveraged’ their debts and sold on as investment products to other banks. CRAZY!! </li></ul><ul><li>This had a massive impact on the UK banking system as we all know and especially hit the UK Mortgage Market hard, with Mortgage Brokers, Mortgage Networks and Mortgage lenders all vanishing from the market. </li></ul><ul><li>The amount of mortgages on the market shrunk from about 30,000 plus to under 5000 products today. </li></ul>
  6. 6. History & Future <ul><li>We SURVIVED! </li></ul><ul><li>By joining a larger company and keeping my existing Network of introducers and loyal customers I managed to survive! </li></ul><ul><li>By Joining forces with a bigger company with more advisors, the business has started to grow along with our client base and network of Introducers. </li></ul><ul><li>The Mortgage Market is getting more competitive too, with new lenders and products coming back into the market. </li></ul>
  7. 7. Clients Case Studies <ul><li>Mr and Mrs Pullin </li></ul><ul><li>1 st Time Buy to let Customers </li></ul><ul><li>Helped them with: </li></ul><ul><li>Mortgage - They were looking for a low cost tracker for a short period of time to maximise rental income and keep payments to a minimum. </li></ul><ul><li>Lettings – Referred them to College Contacts and local letting agents </li></ul><ul><li>Legal – AST Contracts and Solicitor Referral </li></ul><ul><li>Insurance – Property insurance and landlords cover – loss of rental </li></ul>
  8. 8. Buy to let referrals <ul><li>Letting agents </li></ul><ul><li>Identify New and existing landlords which we can help to refinance portfolios for expansion or improvements. </li></ul><ul><li>First time buyers looking to move out of Rental accommodation </li></ul><ul><li>Home movers sold and looking for new purchase or Chain Breaker solutions </li></ul><ul><li>All of the above would generate reciprocal business for my letting agent partners or referral fees for agents. </li></ul><ul><li>Temples Nantwich · 4 High Street ·  Nantwich </li></ul><ul><li>South & Co : 207b Nantwich Road </li></ul><ul><li>Martin & Co : 199 Nantwich Road </li></ul><ul><li>Cheshire letting : Tarporley </li></ul><ul><li>Athena : Tarporley </li></ul>
  9. 9. Buy to let referrals <ul><li>Solicitors </li></ul><ul><li>Help draw up legal contracts AST </li></ul><ul><li>Deposit schemes for landlords </li></ul><ul><li>Tennant disputes </li></ul><ul><li>We can help landlords to pay for big bills, Inheritance Taxes or Capital gains </li></ul><ul><li>Again reciprocal referrals we help Landlords to raise finance and our introducing solicitors carry out all legal work. </li></ul><ul><li>Solicitors can identify property being left in wills </li></ul><ul><li>Landlords wanting to expand or sell portfolios of property </li></ul><ul><li>Revolution Financial services can offer the expert mortgage advice. </li></ul><ul><li>PLEASE REFER REVOLUTION TO YOUR LOCAL SOLICITOR. </li></ul>
  10. 10. Buy to let referrals <ul><li>Insurance </li></ul><ul><li>Insurance brokers can identify landlords who are purchasing new policies or existing landlords looking for better premiums or protection. </li></ul><ul><li>We can offer FREE Mortgage review service in conjunction with insurance premium review </li></ul><ul><li>Specialist landlord insurance – loss of rent Possible referral and opportunity </li></ul><ul><li>Specialist building Insurance for let and multi-let property </li></ul><ul><li>John Heath Insurance Brokers ·  142 Nantwich Road ·  Crewe ·  </li></ul><ul><li>Laxton Insurance ·  61 Delamere Street ·  Winsford ·  </li></ul><ul><li>Premier Insurance Centre ·  426 High Street ·  Winsford ·  </li></ul><ul><li>Endsleigh Insurance Services ·  1 Friarsgate Grosvenor Street ·  Chester ·  </li></ul><ul><li>Swinton Insurance ·  94 High Street ·  Winsford ·  </li></ul>
  11. 11. Client Case Study <ul><li>Brennan Home Mover </li></ul><ul><li>Self employed Mechanic -Home mover selling existing property moving to bigger family home. </li></ul><ul><li>Generated referrals for: </li></ul><ul><li>Solicitor – Conveyancing, Wills etc </li></ul><ul><li>Accountant </li></ul><ul><li>Estate agent </li></ul><ul><li>IFA </li></ul><ul><li>Removals </li></ul><ul><li>Trades </li></ul><ul><li>Garden </li></ul>
  12. 12. Client Case Study <ul><li>Cook/ Riley – Debt Consolidation Remortgage </li></ul><ul><li>Young businessman loaded up debts on short term credit. </li></ul><ul><li>Saved thousand of pounds interest each month. </li></ul><ul><li>This could have generated referrals for </li></ul><ul><li>Debt management </li></ul><ul><li>PPI claim back </li></ul><ul><li>Solicitor – Conveyancing and Contract law </li></ul><ul><li>IFA – Protection for life and business. </li></ul>
  13. 13. Referrals <ul><li>Each one of the professional referrals I have asked can identify mortgage clients that I can help: Here are some others I would like to work with: </li></ul><ul><li>Tradesman – can identify clients on the move, or in need of extra finance to complete projects. </li></ul><ul><li>Architects – larger home improvements </li></ul><ul><li>IFA – That don’t do mortgages more and more IFA's are getting out of the mortgage market. </li></ul><ul><li>Estate Agents – with no Finance arm to their business these are great. We can offer whole of market mortgage advice – Chain Breaker solutions </li></ul><ul><li>Property Maintenance – work with larger landlords which require regular mortgage and finance reviews </li></ul>
  14. 14. Referrals <ul><li>Debt management – can identify clients who are struggling and could benefit from debt consolidation remortgage. </li></ul><ul><li>PPI claim back – becoming more popular – we already work with Total Reclaim who have a fantastic record in claiming back miss sold PPI often these clients could benefit from mortgage health check. </li></ul><ul><li>Accountants – Identify self employed clients or Directors of Companies who require specialist mortgage advice or access to funds for Tax bills or company expansion. </li></ul>
  15. 15. Sharif Yousef Revolution Financial Services Ltd. <ul><li>We help our clients Get Home, Stay Home and Save Money. </li></ul><ul><li>Offering the best independent and whole of market mortgage advice. </li></ul><ul><li>Our referring partners know they are working with the best advisors which put their clients needs 1 st not the greedy BANKS who caused all the trouble in the beginning! </li></ul><ul><li>VIVA LA REVOLUTION </li></ul>