Who am I?
With nearly 15 years of experience working within financial services and 8 of those specialising in mortgage advisory and insurance product arrangements, I possess an in-depth understanding of the intricacies of mortgage financing. This enables me to guide my clients through the complexities of the process with ease and confidence. Additionally, my proficiency in arranging insurance products allows me to offer comprehensive protection strategies tailored to safeguard my clients’ assets and their loved ones.
What sets me apart is not just my expertise, but also my commitment to deliver a unique personal service to each client. I believe in forging long-lasting relationships by understanding the individual circumstances and aspirations of those who entrust me with their financial needs. Being friendly, honest, and professional, provides an environment of trust and transparency in every interaction with clients.
My aim is to empower my clients to make informed financial decisions that align with their long-term goals with property purchases and re-financing. Whether it’s finding the perfect mortgage solution based on specific circumstances or securing comprehensive insurance coverage, I provide personalised guidance and support every step of the way.
With a track record built on integrity, professionalism, and a genuine passion for helping others, I look forward to the opportunity to serve you on your journey towards securing your property and protecting you and your family against the unexpected things in life that could cause financial difficulty. In a dynamic and ever-evolving industry, I remain steadfast in my commitment to excellence, continuously seeking new ways to enhance the value I bring to my clients’ lives.
Away from helping my clients with their financial needs, I am a family man who treasures moments spent with loved ones, values personal wellness, finds joy in the thrill of football, and remains intellectually curious about the world. Through a balanced approach to life, I strive to nurture relationships, prioritise self-care, and stay connected to the world around me, embracing each day with gratitude and enthusiasm.
Frequently Asked Questions
1. What is a mortgage?
A mortgage is a secured loan used to buy a home, with your property serving as collateral. If mortgage payments are missed, the lender may take possession of the property to recover its losses by selling it. In exchange for lending you the money, the lender charges interest. Thus, throughout the mortgage term, you must repay the borrowed amount along with interest until the mortgage is fully paid off.
2. How much can I borrow?
Each lender varies in how they assess borrowing capacity, and there isn’t a fixed calculation. The amount you can borrow depends on factors like your age, deposit size, number of financial dependents, income and affordability, which considers your monthly financial obligations and potential future commitments. You can use our Mortgage Calculator to estimate your monthly repayments.
3. What is a remortgage
This is simply swapping the mortgage you have on your current property for another mortgage with a different lender. You may consider this option if your existing mortgage deal has expired and you wanted to see if a more competitive deal was available. You could also consider this if your circumstances have changed and you want to borrow more. There are many reasons why you would remortgage but this does not involve moving home.
4. What is conveyancing?
Conveyancing refers to the legal work completed by the solicitor or conveyancer you choose when buying or selling a property. It’s important to have either a conveyancer or a solicitor already lined up because as a buyer or a seller, you will need this in place to start and complete your transaction. This is something we can arrange for you if required.