I’m fairly sure that most of us have bought something in the past which claims that ‘one size fits all’, only to be utterly disappointed to realise it doesn’t.
I think the same is true of Mortgage Advisers. There are probably thousands of us across the UK, not to mention a second glut of Consultants who possibly aren’t even qualified advisers.
So, how do you find the right person for you?
How I started
I qualified as a mortgage & protection adviser back in 2007. However, it took me until 2016 to start my own business, as I spent years learning aspects of mortgages that you can’t learn from a textbook.
(I’m a cautious perfectionist by nature, so I couldn’t contemplate working with clients until I could have complete confidence in my advice).
Each lender has their own processing system, with their own policies. There are some lenders that are not suitable for you, and probably many that are. But if you just popped into your bank to ask for mortgage advice, they probably wouldn’t tell you that another lender could offer you a better deal.
How can I give you the right option?
My first step is always talking to you, so I can understand more about what you want to do. Then, we’ll book a meeting when it’s convenient for us both (I work four evenings every week, because I know first-hand how hard it can be to take time away from work!)
Once I have all the facts I need for my research, I can then look at the whole of the mortgage market to find the right deal for you.
So, how do you know you can trust me?
I decided to join Quilter Financial Planning Limited., as they were the largest broker network in the UK. As such, I have a wealth of support behind me – such as compliance teams, technical support, and training.
(The great thing about that is I can go on as many training courses as I like for free!)
Initially, I had to pass my competency exams to even be allowed into the network. I have annual reviews, and I have to take regular exams that are over and above the mandatory Continuous Professional Development hours I have to prove each year.
That’s the time I spend talking to mortgage lenders and life insurance providers, to make sure I keep up to speed with their policy and process changes.
All of this means I can always be confident that the advice I give will be right for you. There’s no ‘one size fits all’ approach from My Mortgage Angel – if nothing else, I love that we are all uniquely different!