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There’s only one problem.
To achieve that, you will need to speak to lots of different banks to find out if they will accept you and what they are willing to offer. (Hint: There are just over 100 lenders in the UK)
And typically, that means spending hours on hold and trying to learn all the financial jargon to make sure you get the best possible deal.
You maybe awesome at most things, but you are no Mortgage Professional.
You don’t know how to get the best mortgage deal without spending lots of time on the phone, learning the financial jargon or completing the paperwork correctly
As a result, you maybe getting nowhere with the banks, simply just do not have the time or even end up paying more interest than you need to.
You only have a few options
spend lots of time on hold to the bank, then more time on hold to the next bank, right now there are just over 100 lenders you need to speak to,
Speak to a Professional, or
spend hours learning financial jargon, learning to complete mortgage application forms and understand just what a good deal looks like
I went with option 3.
I wanted to learn everything, I wanted to be able to do everything myself, so I read books, listened to hours of podcasts and spent countless hours researching mortgages online. I learned things like “the tricks that lenders don’t want you to know”, “the secrets to a successful mortgage application” and “Why a low interest rate is not always the best deal”. Eventually, I completed my Mortgage Exams and became a Professional Mortgage Adviser. A bit extreme right?
At that time I had learned so much I ended up working within a firm specialising in complex mortgages before then leading the business as a Senior Manager. Bizarrely though, you could only access my team if you were a qualified adviser yourself and you got stuck (even qualified advisers can find it confusing). Our service wasn’t free and I bet you can guess who ended up paying more as a result …. yes you got it … the client (you). If only everything was created equally …. right?
Dealing with 100’s of mortgages on a monthly basis we really have seen it all, even training lots of other advisers in the process (which takes around 2 years). Nearly 15 years later I thought it was about time this knowledge was available directly to you, why should it cost more? Along with one of my best advisers Ben Smith (who was one of my first trainee’s at the beginning) we founded The Money Geeks, a truly one stop shop for everything to do with mortgages, from the very simple to the very complex..
But don’t just take my word for it. Read what our Clients have to say:
Absolutely fantastic service !. Extremely professional from start to finish. We thank you so much for how you have helped us.
Greg and his team at The Money Geeks were fantastic from start to finish. Greg dealt with our application personally... read more
Great service - thanks to Bryony for her patience and professionalism throughout!