Sourcing information is one thing, making that knowledge apply to your own specific needs is quite another... With the massive growth of the internet, there are many places that you can find the information you require about your health, car, home, holiday, or even financial needs. Along the way some may also decide to handle the whole process themselves. But nothing is straightforward, and when the questions mount up, the problems may begin. And before they know it, it’s started to take up much more of their time than expected. This is why people take professional advice, be it a tradesperson or qualified advisor. Take mortgages for example. You may know how much you would like to borrow and believe you can afford the likely monthly payments, but unfortunately lenders continue to be picky. Interestingly some recent research has shown that 29% of UK adults that have had an unsuccessful mortgage application after approaching a bank directly, have been successful when they then turned to the broker community. (Source YouGov/Countrywide survey, November 2012). Here at Chancery Mortgage Services Ltd, it is the aim of all of our team to save you time. Once we have established your requirements, we can see what’s on offer, and help guide you through the process by liaising with the various parties involved. This will greatly reduce the time you may need to devote to your application. We would also have a better steer on where you may secure an offer, again saving you time by limiting the number of lenders approached or considered. For example, each time you apply for credit, this may be recorded on the files held by credit reference agencies. This could result in a downgraded rating, which may ultimately make the cost of borrowing higher for you. As you may be aware, we also cover a number of financial products beyond mortgages, and could discuss these wider requirements with you too. So if you are looking for mortgage or protection advice, please do get in touch. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.
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