Whimsters Financial Solutions Ltd
I offer a free mortgage research and sourcing sourcing service; you will have a short list from which to select a mortgage.
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What do you love most about your job?
Mortgage Broking is a change of career from working as a solicitor. Providing mortgage advice is a happy sale, the client is moving forward. This is more rewarding than legal work which is often dealing with a distressed client who is walking backwards or standing still.
What inspired you to start your own business?
The freedom of self employment. Employment for me is a prison without windows.
Why should our clients choose you?
The mortgage market is hard to negotiate and difficult to get comparative quotes without specialist sourcing software and the detailed knowledge which grows from experience. I will save you hours of time by finding a suitable mortgage in a few weeks or in urgent cases in a few days. The speed depends on the time scale in which you can sign a provacy notice (GDPR) and provide background information.
Can you provide your services online or remotely? If so, please add details.
Yes I have fallen in love with zoom and google meets. I have recently disvovered google loom which is a one way video message.
What changes have you made to keep your customers safe from Covid-19?
I have been doubled vaxed and have never experienced Covid sysmtoms or been in close contact with a Covid sufferer. Covid safety is always on my mind because I am a carer for two retired individuals aged 85 and 76.
Remote Access: Zoom/Telephone/Video Message
The mortgage appplication procees is made easier by use of video appoinments (zoom) and videos messages (google loom). A picture says 1,000 words but a video can say 10,000 and is very effective as an alternative or prelude to a screen share for presenting mortgage illustrations.
First Time Buyer Mortgages
First Time Buyers are stretched by high deposits and rising house prices; the first purchase is the hardest. The input and expertise of a mortgage broker is vital to secure the most suitable mortgage.
Buy To Let Mortgages / Let To Buy
Buy To Let investors range from inherited properties to individual investements and substantial portfolios.
First time BTL landlords face different criteria and the consequences of the withdrawal of favourable tax breaks.
Re-mortgages
If your fixed priod has ended, the interest rate will increase unless you negotiate a new product with the existing lender (rate switch or product transfer) or remortgage with a new lender.
The existing lender isn't the only option and does not have a great incetive to offer the best rates. Lenders offer their most competative products to new borrowers. This means the best rate is often found with a competitor.
Mortgages for Portfolio Landlords
Landords with more that four B2L properties are faced with more specific criteria and the application for a mortgage requires more attention to detail.
Mortgages for Self-Employed, Company Directors, Contractors
Lenders view the entreprenurial community as a more risky prospect than the employed borrower. The criteria is therefore more challenging and requires more skill to negotiate.
Protection: Life cover, Crtical Illness, Income Protection
The purchase or remortgage of a property presents an ideal oportunity to consider protection. Insurance policies are used to repay the morgage and provide additional capital or income for living expenses when disatr strikes including death and serious illness or illess which prevents work for a significant period of time. The mortgage is for buyig the castle, protection is for keeping it.
Private Medical Insurance
Private Medical Insurance is often overlooked when it offers considerable benefits at a reasonable cost.
Accident Cover
Accident cover is ideal for those in certain employments and fills a gap when other protection policies do not meet a specific need.
