This document discusses the benefits of using an independent mortgage adviser. It outlines how an adviser can help determine if you qualify for a mortgage, identify suitable lenders, explain different mortgage rates and repayment options, and advocate on your behalf during the application process. The adviser argues that using a professional saves time and money compared to going it alone, similar to how one would hire experts like mechanics or plumbers for vehicle and home repairs. Contact details are provided to discuss options with no obligation.
This is a presentation for want to be home owners, but do not have sufficient Deposit based on normal bank standards.
Let me teach people the skills on how to move into their own home.
Let me be your consultant.
The Green writing is a commentary of the slides.
There have been some important changes to the CalSTRS 80/17 that will affect your qualifying in 2010.
This informative and educational Webinar was presented by Mario Basura, a CalSTRS specialist at Broadview Mortgage - Katella on February 25th, 2010.
If you have questions, feel free to email Mario at MarioB@Broadviewmortgagecorp.com
This is a presentation for want to be home owners, but do not have sufficient Deposit based on normal bank standards.
Let me teach people the skills on how to move into their own home.
Let me be your consultant.
The Green writing is a commentary of the slides.
There have been some important changes to the CalSTRS 80/17 that will affect your qualifying in 2010.
This informative and educational Webinar was presented by Mario Basura, a CalSTRS specialist at Broadview Mortgage - Katella on February 25th, 2010.
If you have questions, feel free to email Mario at MarioB@Broadviewmortgagecorp.com
6 questions to ask mortgage companies in njPraveen Singh
Most mortgage companies will charge a zero to one point to lock a loan rate but make sure you ask if there is a charge for a rate lock and for how long will this rate be locked for.
The forces of each side pull and tug on your thoughts figuratively. What would make more sense now? Or should the question be: What makes sense for my future?
Pawn Loans 101: A Complete Guide for DummiesLee Benhayon
Pawn shop loans can be complicated. Avoid the pitfalls of borrowing from a pawn shop and learn how the loaning process works in this short guide for dummies.
Buying a house here’s how to pick a top buyer’s agentPraveen Singh
Buying a house can be a daunting task whether it’s your first time or if you’re a veteran. You’re thinking, OMG where do I start? Who should I talk to? WHAT DO I DO?
A Complete Guide to the CalSTRS 80/17 Home Purchase LoanFindMyWayHome.com
This is an incredible loan program available to any employee of a California Public School, School District or Community College.
This loan program offered by the Californiat State Teacher's Retirement System allows for 3% down payment with NO upfront and NO monthly mortgage insurance!
There's nothing out there like this program. It's not too good to be true, there are some things you need to know about this loan to determine if it's right for you.
These are the slides from the online webinar, please feel free to contact us for questions or more information
6 questions to ask mortgage companies in njPraveen Singh
Most mortgage companies will charge a zero to one point to lock a loan rate but make sure you ask if there is a charge for a rate lock and for how long will this rate be locked for.
The forces of each side pull and tug on your thoughts figuratively. What would make more sense now? Or should the question be: What makes sense for my future?
Pawn Loans 101: A Complete Guide for DummiesLee Benhayon
Pawn shop loans can be complicated. Avoid the pitfalls of borrowing from a pawn shop and learn how the loaning process works in this short guide for dummies.
Buying a house here’s how to pick a top buyer’s agentPraveen Singh
Buying a house can be a daunting task whether it’s your first time or if you’re a veteran. You’re thinking, OMG where do I start? Who should I talk to? WHAT DO I DO?
A Complete Guide to the CalSTRS 80/17 Home Purchase LoanFindMyWayHome.com
This is an incredible loan program available to any employee of a California Public School, School District or Community College.
This loan program offered by the Californiat State Teacher's Retirement System allows for 3% down payment with NO upfront and NO monthly mortgage insurance!
There's nothing out there like this program. It's not too good to be true, there are some things you need to know about this loan to determine if it's right for you.
These are the slides from the online webinar, please feel free to contact us for questions or more information
You’re thinking of buying a home? Congratulations -- it’s an exciting
process. And it can be a lot of fun. You get to envision the type
of lifestyle you want for yourself (and your family). Do you want
a beautiful two-story home close to your work? Do you want a
modern, stylish condo in the heart of downtown? Are you yearning
to live near the beach, the mountains, restaurants, good schools,
museums, or family?
One of the greatest things about purchasing your own home is
that you get to make it yours. Even before you move in, you’re in
charge of making the decisions about which home you will buy.
It’s a powerful feeling -- having total control. But it can also be a bit
overwhelming, especially when you’re doing it for the first time.
That’s why we wrote this guide. We want to make purchasing a home
less scary and give you the confidence to move forward through
each step of the process -- from beginning to end, when you move into your new home!
Kevin Thatcher & Associates Ltd. your trustee in bankruptcy. Visit us today at http://billfixer.com/ to learn more, and let us help you get your financial life back on track.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
2. Alan Wynne is a mortgage adviser with Ward Financial Services
Ltd. which is an appointed representative of Personal Touch
Financial Services Ltd. which is authorised and regulated by
the Financial Services Authority.
3. Why Should I Use An Independent
Mortgage Adviser
Music – Bright Wish by Kevin McLeod
4. What’s In It For Me?
This is a question I’m often asked
So let’s take a look –
What’s in it for you?
5. Do you qualify for a mortgage?
This will depend upon:-
Your income
6. Do you qualify for a mortgage?
This will depend upon:-
Your outgoings
7. Do you qualify for a mortgage?
This will depend upon:-
Your deposit
8. Do you qualify for a mortgage?
This will depend upon:-
Your credit rating
9. Do you qualify for a mortgage?
This will depend upon:-
Your employment
situation
10. Do you qualify for a mortgage?
Let’s take your income and outgoings.
Generally speaking you can borrow
about 3 times your gross income
after deducting outgoings such as
loan and credit card payments
11. Do you qualify for a mortgage?
• But not all lenders are the same
• Some will lend considerably more than
this.
• WOULD IT HELP TO KNOW WHO THOSE
LENDERS ARE?
12. Do you qualify for a mortgage?
Now let’s take a look at your deposit.
At the time of making this video –
June 2012 you will need at least 5%
deposit.
If you’ve only got 5% deposit the
number of lenders who will lend is
extremely limited.
13. Do you qualify for a mortgage?
IT COULD SAVE YOU A LOT OF
WASTED TIME IF YOU KNEW WHO
THOSE LENDERS WERE.
14. Do you qualify for a mortgage?
So you’ve got the deposit and your
income is OK.
Now let’s take a look at your
employment situation.
If you’re in permanent employment
or you’ve been self employed for
over 3 years you’re looking good.
15. Do you qualify for a mortgage?
But if you are working on a short
term contract or doing agency work
most lenders will run a mile.
Or what if you’ve been self employed
for less than 3 years or even less
than 2 years. Most lenders will walk
away
16. Do you qualify for a mortgage?
Maybe you work overseas.
Again even if your income stacks up
most lenders will decline your
application.
17. Do you qualify for a mortgage?
You see where I’m coming from?
YOU NEED TO KNOW WHICH
LENDERS WILL DO BUSINESS WITH
YOU.
18. Do you qualify for a mortgage?
OK so you’ve got the deposit, your
income stacks up and you’ve found a
lender who will cater for your
employment situation.
NOW COMES THE CREDIT CHECK
19. Do you qualify for a mortgage?
A credit check is where a lender
checks your credit rating with a
credit reference agency.
20. Do you qualify for a mortgage?
IF YOUR CREDIT RATING ISN’T HIGH
ENOUGH THEN CHANCES ARE YOUR
APPLICATION WILL BE DECLINED.
21. Do you qualify for a mortgage?
However, some lenders take a more
lenient attitude towards a low credit
rating..
WOULDN’T IT BE USEFUL TO KNOW
WHO THESE LENDERS ARE?
22. Do you qualify for a mortgage?
And there are certain things you can
do to improve your credit rating so
maybe in 6 months time you can re-
apply.
WOULD YOU LIKE TO
KNOW WHAT THESE ARE?
23. For those of you who qualify for a
mortgage
What’s next?
Well what type if interest rate do you
require? Do you want a:-
• Fixed rate
• Variable rate
• Capped rate
• Discounted rate
• Tracker rate
24. For those of you who qualify for a
mortgage
Do you know the differences between
these rates and the impact they can
have on your mortgage.
WOULD YOU LIKE SOMEONE TO
EXPLAIN THESE DIFFERENCES TO
YOU AND HELP YOU CHOOSE THE
RATE THAT’S RIGHT FOR YOU?
25. For those of you who qualify for a
mortgage
OK so now you’ve got the interest rate
you require.
How are you going to repay your
mortgage?
Yes that’s right I said how are you
going to repay your mortgage?
26. For those of you who qualify for a
mortgage
Because even here you have a choice
between:-
• Capital and Interest
• Interest only
• A mixture of the two
WOULD YOU LIKE SOMEONE TO
EXPLAIN THESE OPTIONS?
27. For those of you who qualify for a
mortgage
And what about fees?
• Valuation fee.
• Lender’s arrangement fee.
• Higher lending charge
• Booking fee
• Telegraphic transfer fee.
• Early redemption fee
28. For those of you who qualify for a
mortgage
WHANT TO DISCUSS THESE WITH
SOMEONE WHO KNOWS ABOUT
THEM?
29. For those of you who qualify for a
mortgage
A discussion with a mortgage adviser
can guide you through all of these
things.
30. For those of you who qualify for a
mortgage
From this discussion your mortgage
adviser can tailor a mortgage to your
exact requirements.
31. For those of you who qualify for a
mortgage
Then search the whole of the market
to find the BEST mortgage deal which
matches your requirements.
32. For those of you who qualify for a
mortgage
Then make a recommendation in
writing showing all the costs involved.
REMEMBER INDEPENDENT MORTGAGE
ADVISERS HAVE TO STAND BY THEIR
RECOMMENDATIONS
33. If you wish to proceed
How would like someone to act as
YOUR advocate during the application
process?
This means:-
34. If you wish to proceed
Helping you complete all the
paperwork for the mortgage.
35. If you wish to proceed
Gathering all the information the
lender needs to support the
application.
36. If you wish to proceed
Using their experience to resolve
problems during the process.
37. If you wish to proceed
If required providing names of
known and trusted professionals
such as solicitors and accountants.
38. If you wish to proceed
Helping you understand all the forms
provided to you by the solicitor,
lender, surveyor etc.
39. If you wish to proceed
Liaising between all the interested
parties making sure that everything
is going well.
40. If you wish to proceed
Keeping you informed of the
progress of the mortgage and
dealing with any questions
or concerns you may have.
41. If you wish to proceed
Helping you understand the formal
offer issued by the lender and
making sure you understand what
you are getting into.
42. If you wish to proceed
Making sure you are not paying too
much for any insurance plans that
you may have with your mortgage.
43. If you wish to proceed
Making sure you are not paying too
much for any insurance plans that
you may have with your mortgage.
Again speaking to the providers on
your behalf.
And talking to you in plain English,
about the solutions to your needs.
44. When You Put This All Together
Wouldn’t you just like someone to:-
C ommunicate with everybody in the
purchase or re-mortgage process.
A dvise on the most suitable scheme
based on the your requirements.
R emind about all the risks involved in
carrying out the transaction.
E nsure your family is protected should
anything unforeseen happen.
45. I Hope I’ve Made My Case. You can
do it yourself but ask yourself this
46. I Hope I’ve Made My Case. You can
do it yourself but ask yourself this
If your car broke down
would you try and fix
it yourself or would
you employ a
mechanic?
47. I Hope I’ve Made My Case. You can
do it yourself but ask yourself this
If you had a problem
with your central
heating would you try
and fix it yourself or
would you ring for a
plumber?
48. I Hope I’ve Made My Case. You can
do it yourself but ask yourself this
If you had an
electrical problem
would you try and fix
it yourself or send for
an electrician?
49. Using a professional saves you
money in the long run
For a FREE no obligation consultation
Call Alan Wynne
On
01244 571124 or 01244 570641
Or
Leave your details below
Your home may be repossessed if you do not keep
up repayments on your mortgage .
For mortgage advice we charge a fee of 1% of the loan amount with a minimum fee of £725. Any
commission received from the lender will be offset against our fee which is payable on completion
Editor's Notes
Stop recording
This will depend upon Your income
Your outgoings
Your deposit
Your credit rating
Your employment situation
Generally speaking you can borrow about 3 times your gross income after deducting outgoings such as loan and credit card payments
WOULD IT HELP TO KNOW WHO THOSE LENDERS ARE?
If you’ve only got 10% deposit the number of lenders who will lend is extremely limited.
IT COULD SAVE YOU A LOT OF WASTED TIME IF YOU KNEW WHO THOSE LENDERS WERE.
If you’re in permanent employment or you’ve been self employed for over 3 years you’re looking good.
Or what if you’ve been self employed for less than 3 years or even less than 2 years. Most lenders will walk away
Again even if your income stacks up most lenders will decline your application.
You see where I’m coming from? YOU NEED TO KNOW WHICH LENDERS WILL DO BUSINESS WITH YOU.
NOW COMES THE CREDIT CHECK
A credit check is where a lender checks your credit rating with a credit reference agency.
IF YOUR CREDIT RATING ISN’T HIGH ENOUGH THEN CHANCES ARE YOUR APPLICATION WILL BE DECLINED.
WOULDN’T IT BE USEFULL TO KNOW WHO THESE LENDERS ARE?
WOULD YOU LIKE TO KNOW WHAT THESE ARE?
Tracker rate
WOULD YOU LIKE SOMEONE TO EXPLAIN THESE DIFFERENCES TO YOU AND HELP YOU CHOOSE THE RATE THAT’S RIGHT FOR YOU?
Yes that’s right I said how are you going to repay your mortgage?
WOULD YOU LIKE SOMEONE TO EXPLAIN THESE OPTIONS?
Early redemption fee
WHANT TO DISCUSS THESE WITH SOMEONE WHO KNOWS ABOUT THEM?
A discussion with a mortgage adviser can guide you through all of these things.
From this discussion your mortgage adviser can taylor a mortgage to your exact requirements.
Then search the whole of the market to find the BEST mortgage deal which matches your requirements.
REMEMBER independent MORTGAGE ADVISERS HAVE TO STAND BY THEIR RECOMMENDATIONS
This means:-
Helping you complete all the paperwork for the mortgage.
Gathering all the information the lender needs to support the application.
Using their experience to resolve problems during the process.
If required providing names of known and trusted professionals such as solicitors and accountants .
Helping you understand all the forms provided to you by the solicitor, lender, surveyor etc.
Liaising between all the interested parties making sure that everything is going well.
Keeping you informed of the progress of the mortgage and dealing with any questions or concerns you may have.
Helping you understand the formal offer issued by the lender and making sure you understand what you are getting into.
Making sure you are not paying too much for any insurance plans that you may have with your mortgage.
And talking to you in plain English, about the solutions to your needs.
E nsure your family is protected should anything unforeseen happen.
I Hope I’ve Made My Case You can do it yourself but ask yourself this If your car broke down would you try and fix it yourself or would you employ a mechanic?
I Hope I’ve Made My Case You can do it yourself but ask yourself this If your car broke down would you try and fix it yourself or would you employ a mechanic?
If you had a problem with your central heating would you try and fix it yourself or would you ring for a plumber?
If you had an electrical problem would you try and fix it yourself or send for an electrician?