Can you tell us a little about yourself?
I am still under 40 (just). Happily married with 2 children and 1 dog. I enjoy playing golf in my spare time and travelling. My next holiday is skiing in Bulgaria with my eldest daughter.
How did you first get involved in mortgages?
I studied for my CeMap qualification whilst working full time in a role for the UK government (007). I moved to Santander to develop my financial expertise and customer prowess. After gaining a wealth of experience, I decided that I needed a new challenge and made the decision to be self-employed and grow my own business.
How long have you worked with Venture and what are the benefits to the customers?
I have worked with Venture for over 2 years now. In that time I have worked with all the branches to develop the service provided to the customer. I am part of one of the largest financial networks in the UK, which enables me to recommend products that represent the whole of the market.
What are the key points to using a mortgage advisor?
At what stage in buying my property do I employ a mortgage adviser?
It is a good idea to know exactly how much you can afford to borrow based on your circumstances prior to putting in an offer on a property.
Any offer you do submit will need to be backed up by a decision in principle/credit check from a lender so it is always a good idea to speak with your mortgage advisor prior to submitting your offer so you will have this to hand.
What will happen at my first meeting with my mortgage adviser?
At your initial mortgage meeting, your dedicated mortgage adviser will explain the process and review your financial situation.
Information that you will be asked to provide to your mortgage adviser, as standard but not exhaustive, will be:
What would be your best tip for someone trying to secure a mortgage?
It is best to be open and honest with your adviser around your financial status and history as this will allow the adviser to recommend the best deal for you and prevent any unnecessary delays.