Buying a home can be a stressful and confusing time. I can guide you through this process right through to completion. This step-by-step guide is designed to support and inform you throughout your mortgage application. No wants to think about what will happen when a loved one dies. Your life changes forever and the financial strain your family will experience will be the last thing they would want to worry about.
If you have dependants or if you are in any form of debt, it is essential that you are prepared and you ensure your family is properly protected. It can be tempting to try and save money by cutting back on your buildings and/or contents insurance policies, but experts agree that this is a false economy.
If you have dependants or if you are in any form of debt, it is essential that you are prepared and you ensure your family is properly protected. It can be tempting to try and save money by cutting back on your buildings and/or contents insurance policies, but experts agree that this is a false economy.
Services
When I was first looking for a home, I knew that I needed a mortgage, but had no idea where to start. I went up and down my local High Street, into nearly every bank or building society, with each coming out with the same scenario. A handful of leaflets and the promise of an appointment in the following week when a consultant would be free to see me.
When I first meet my clients, I like to give a description of what I do, how I do it and how much I charge. When I left school many years ago, I worked for Lloyds Bank. It was a great way of learning how to deal with people, and the basics of the financial services industry. At age 28, looking for another opportunity, I became (of all things) an Estate Agent.
This step-by-step guide is designed to support and inform you throughout your mortgage application. As a mortgage adviser, the best advice I can ever give a client is not to have a mortgage! Unfortunately, we're not all in the enviable position where we can buy a property for cash, so in order to do so, most people do require some sort of mortgage.
When I first started as a Mortgage Adviser ten years ago, I specialised in Sub-Prime Mortgages, or Adverse Credit Mortgages. Sometimes throughout our life, we have unexpected financial events, whether it is temporary unexpected bills, marital problems, health problems, redundancy or business problems.
Just for fun here's a quick personality quiz. Needless to say that the art of good mortgage advice is far more complicated than this, however a good bit of risk analysis does come into play. In order to assess the best type of deal for you, the most important thing is to speak to a fully qualified Mortgage Adviser, however in the meantime.
Reviews (10)
Fiona Hamilton
Nov 06, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Steve was friendly and professional from our first enquiry through to the completion of our house purchase. He explained complex topics in an accessible way and helped to demystify the whole mortgage process. He was quick to respond and we would definitely recommend him to anyone else needing support with their mortgage.
Steve was friendly and professional from our first enquiry through to the completion of our house purchase. He explained complex topics in an accessible way and helped to demystify the whole mortgage process. He was quick to respond and we would definitely recommend him to anyone else needing support with their mortgage.
Alister Liscott
Aug 19, 2021
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Darryll Richards
May 29, 2021
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Vanessa Coles
Mar 21, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Stephen was so helpful when find the right mortgage for me. We went through every stage to find what would work for me, answering questions swiftly as and when they arose. He even helped source the Home and contents insurance. I would highly recommend his financial services.
Stephen was so helpful when find the right mortgage for me. We went through every stage to find what would work for me, answering questions swiftly as and when they arose. He even helped source the Home and contents insurance. I would highly recommend his financial services.
Alex H.
Feb 26, 2021
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Positive: Professionalism, Responsiveness
Stephen is a mortgage wizard. He is patient, helpful, happy to answer all questions and explains everything so well. He makes everything so easy, especially at the moment where everything is virtual and I definitely won’t hesitate when I need his help again. Thank you!
Stephen is a mortgage wizard. He is patient, helpful, happy to answer all questions and explains everything so well. He makes everything so easy, especially at the moment where everything is virtual and I definitely won’t hesitate when I need his help again. Thank you!
Ben Mears
Feb 19, 2021
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David Sutherland
Oct 20, 2020
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Alex Hathway
Aug 08, 2020
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Harry Rabbetts
Jul 01, 2020
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Charlotte Procter
May 16, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
Stephen is incredibly professional, efficient and a trustworthy and reliable mortgage advisor. Stephen has helped to get me the best mortgage every time I have used his service. I would recommend to all friends and family and he has also been a mortgage advisor for several of my colleagues and I was recommended him from them. AAA***
Stephen is incredibly professional, efficient and a trustworthy and reliable mortgage advisor. Stephen has helped to get me the best mortgage every time I have used his service. I would recommend to all friends and family and he has also been a mortgage advisor for several of my colleagues and I was recommended him from them. AAA***
