When I first started looking at mortgages, I thought to myself "how hard can it actually be?" I approached a really well-known lender and immediately I felt out of my depth. The interaction I had with the mortgage advisor based with this lender was really negative, and ultimately led to me being declined for a mortgage with them. I knew I didn't really have a clue what I was doing, and I was terrified I'd ruined my chances of actually getting a mortgage because of the impact I'd assumed it would have had on my credit rating. A friend of mine had recommended Paul at the mortgage advice centre and assured me he had a really good reputation, so I went along, assuming to be told that I'd ruined my chances of getting a mortgage but I was really shocked to find out that he could actually help.
From my first appointment with Paul I really started to get it. He sat with me for a couple of hours talking through the entire process, answering my endless questions and 'what ifs', even down to drawing our diagrams so I totally understood what was happening. I think the most important thing for me is that I felt completely reassured about everything, and he was completely honest about what was realistic and what was not realistic.
I think throughout the period, from applying for the decision in principle to the mortgage completing I spent about 90% of my time in contact with Paul. Asking a million and one questions about anything and everything mortgage related I could possibly ask and not once did i feel that i was being irritating or that answering the questions and providing the support was not convenient. I felt that both Paul and David were always on hand to offer support and respond to my relentless emails and calls. I 100% believe that I would not be a homeowner without his support. If anyone is a bit like me, not really too clear about what buying a house actually involves then I really strongly suggest you seek support with it, and honestly use the mortgage advice centre. You really wont be disappointed!
J Young Community Pracioneer Nurse
A Cossey Community Pracioneer Nurse